Chippendale said it's also important for organizers to purchase host liquor liability
insurance when handing out "free alcohol to bands, family, friends and others.
His policy, for example includes host liquor liability
coverage, which insures UAI if the company chooses to serve adult beverages at a reception.
Liability insurance with host liquor liability
can be purchased jointly or separately for a $150 premium, and without liquor liability starting at $75.
The coverage includes: general liability insurance; ID theft insurance, hired and non-owned auto liability insurance; host liquor liability
insurance, employment practices liability insurance; employee dishonesty/crime insurance; and property insurance.
The standard Agency Defender Program includes coverages that competing insurance programs do not offer such as independent contractor coverage and host liquor liability
While the rules vary from state to state, so-called host liquor liability
laws mean party-givers can be sued for damages arising out of deaths, injuries or property damage caused by an intoxicated motorist.