What is Liquor Liability?


​Liquor liability insurance protects you when a lawsuit is brought against you as the host of an event where alcohol was served. Whether you're an individual, organization, or company; if you're involved in the serving of alcohol, you can be held legally liable for damage or injuries.
To serve liquor, you need to have a valid liquor license.
Liquor liability can cover:
  • Liability as a server: You, the server, need to recognize when to stop serving alcohol to individuals at risk of becoming too intoxicated
  • Liability as an occupier: You have a responsibility as the occupier to make sure that the location is safe and maintained to prevent harm
  • Liability as an employer: Employers can be held responsible for the care of employees who consume alcohol at events like staff parties
  • Liability as a sponsor: Events with potentially dangerous activities become more dangerous when you add alcohol. As a sponsor, you could be held liable.
  • Liability for security: Security on the property can't use unnecessary or excessive force to manage intoxicated guests. You can be held liable if they do. 
Consider this: you go away on vacation and leave your underage child alone in your home. That child throws a party where a drunk minor falls down the stairs and breaks his legs. Even though you weren't in the home or aware of the party, you can still be held liable for that individual's injuries. 
Tips to mitigate your risk:
  • Host events at locations where staff is trained in alcohol management
  • Ask guests as they arrive if they have a safe ride home (i.e. designated driver)
  • Make sure to offer non-alcoholic options and food
  • Have cash or vouchers available for taxis
  • Reserve a few rooms at a nearby hotel for last-minute overnight guests
  • Keep a watchful eye over your guests, and take keys if you need too​
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St. Stephen New Brunswick Canada E3L 1G6
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The Guy R Day Difference

​You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for... Most insurance products are similar in price and function, insurance providers are very different when it comes to creating a policy that actually covers you. 

Contact us to learn more about the right alcohol liability insurance for you.