Can You Add an Additional Insured to a Liquor Liability Policy?

Businesses that sell or serve alcohol are protected by liquor liability insurance from costs associated with damage or injuries caused by inebriated customers. What transpires, though, if a venue owner or event planner wants to add an additional insured to the policy? An additional insured may be added to a liquor liability policy. Yes, and it’s a standard procedure in the insurance sector.

A person or organization that is added to an existing insurance policy as an additional insured will receive coverage under the same policy. This indicates that the additional insured will be protected by the policy in the event that a claim is made against them. The additional insured in a liquor liability insurance policy is typically a venue owner or an event planner who is hosting an event where alcohol will be provided. They are shielded from any liability that might result from providing alcohol at the event by including them in the policy.

Another form of liquor liability insurance that is sometimes mistaken for regular liquor liability insurance is contingent liquor liability. Event planners and caterers are two examples of companies whose primary business is not the sale or serving of alcoholic beverages that are protected by contingent liquor liability. This kind of insurance offers protection in the event that a host or caterer of an event is held accountable for losses or injuries brought on by drunk guests.

Alcohol-related businesses in Oklahoma are not required by law to have liquor liability insurance, but doing so is advised. Without liquor liability insurance, businesses risk being held liable for any accidents or damages brought on by drunken customers. It is crucial for companies to have liquor liability insurance to safeguard themselves from potential litigation.

In Ontario, bartenders are typically not held accountable for drunk drivers’ acts. However, if a customer who is obviously intoxicated is nonetheless served alcohol and that customer causes an accident, the bartender may be held partially responsible for any harm or injuries. Bartenders must be aware of their obligations and refrain from giving alcohol to customers who are obviously drunk.

The Liquor Control and Licensing Act of British Columbia allows for bartender liability for inebriated drivers’ acts. This means that the bartender may be held responsible for any damages or injuries if they sell alcohol to a customer who is obviously intoxicated and that customer causes an accident. Bartenders must be aware of their obligations and refrain from giving alcohol to customers who are obviously drunk.

In conclusion, it is conceivable and advised for event planners and venue owners to add an additional insured to a liquor liability coverage. Businesses that aren’t primarily involved in the sale or service of alcoholic beverages can get coverage through contingent liquor liability. Additionally, in order to safeguard themselves against future litigation, establishments should purchase liquor liability insurance. It is crucial for bartenders to be aware of their responsibilities and to stop supplying alcohol to customers who are obviously intoxicated. Bartenders in Ontario and British Columbia are subject to differing amounts of liability for the acts of drunk drivers.