Do You Need Liquor Liability Insurance for a One-Day Event?

Planning a wedding reception, fundraiser or festival often involves making sure guests have a good time, and that sometimes includes serving alcohol. While one-day events can be exciting, they also come with potential risks. If alcohol will be available, liquor liability insurance may be worth considering to help protect your finances and reputation should something go wrong.

What Is Liquor Liability Insurance?

Liquor liability insurance is designed to help cover costs if alcohol service at your event leads to injury, property damage or legal claims. This type of policy may apply whether alcohol is sold, manufactured or served for free, depending on the circumstances.

For example, you could be held legally responsible if a guest leaves your event intoxicated and causes a car accident. A liquor liability policy may help pay for legal defense, settlements or judgments. Some venues in Murray, UT even require proof of this coverage before allowing alcohol service.

When Should You Consider Coverage for a One-Day Event?

You may want to look into a policy if your event involves any of the following:

• Serving alcohol to a large number of guests
• Hiring a bartender or catering service that does not provide its own liquor liability coverage
• Hosting the event in a location that requires you, as the organizer, to carry insurance

Even if the risk feels low, liquor-related incidents can be costly. Policies can often be purchased for just the duration of your event, making them a flexible option for single-day gatherings.

Protect Your Guests and Your Event

Hosting an event should be memorable for the right reasons, not for an unexpected legal issue. If alcohol will be part of the celebration, Statewide Insurance Agency can help you explore one-day liquor liability insurance options that fit your needs. Contact us today to learn more and get a quote before your event date.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.