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Who’s Hosting?

By cherlihy@herlihygroup.com on May 28, 2018

As we roll into June the graduation party, wedding party and “BIG” birthday party invites tend to appear in our mail and email. This is always a very fun time of year to celebrate. Our family gets to visit with many friends and relatives that we may not have seen for a while. Each party is typically its own adventure of some sort.

There are the parties with the “ice luges” and the parties with the “bowling tournaments” and even a “Back to the Eighties” event. Each event definitely presents its own fun factor. Some of these events are hosted at homes and others at different venues.

We like to review with all of our clients the “Host Liquor” Coverage that may or may not be included on their personal insurance policies. If you are serving alcohol Host Liquor Liability is defined as

Liability for bodily injury (BI) or property damage (PD) arising out of the serving or distribution of alcoholic beverages by a party not engaged in this activity as a business enterprise.

If you are hosting a party that is serving alcohol, please check in with your home insurance carrier to make certain that your Host Liquor Liability coverage is INCLUDED. As we know not all home insurance policies are the same and all party hosters should check on this before the invites go out!

We hope that you enjoyed all the parties this June. As Jay Herlihy would always say……………. “Take it easy.”

Posted in Personal and tagged home insurance, Host, liquor liability.

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