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Liquor Liability vs. Host Liquor Liability: Which One Should You Have?

Intoxication by alcohol is one of the most dangerous causes of accidents on roads, at events, and on people’s properties. That is why businesses that are alcohol-related need to understand Liquor Liability Insurance. This coverage includes dinners and social events hosted by a company that allows alcohol consumption.

It is essential to understand the difference between liability insurance for liquor-related incidents and how it can help them.

The Difference Between Liquor Liability Insurance and Host Liquor Liability Insurance

Liquor Liability Insurance is valuable to businesses that distribute, sell, serve, and produce alcoholic beverages and other liquors. It may cover damages and possible legal fees caused by customers under the influence of alcohol as a business serves. Bars, breweries, restaurants, liquor stores, and grocery stores can benefit from protection for business operations.

Some incidents that may include in your Liquor Liability Insurance policy are

  • A customer causes damages to the personal property of another person while drunk.

  • A customer hurt or injured someone while drunk.

  • A customer you have served, drunk drove and costly damages and injury to property or another driver occurred.

Your Liquor Liability Insurance can cover your medical bills for treatment, settlements, legal costs, and repair costs to damage properties and injuries.

Host Liquor Liability Insurance can cover alcohol-related incidents relating to businesses that hold events that allow visitors to consume alcohol. This is usually included or add-on to General Liability Policy. Examples of this are social events or company dinners that may cause employees to drink and lead to injuries or damages if not tolerated.

Some Tips to Avoid Violation of Law as a Host

Being responsible to your employees and colleagues during social events is a responsibility. To avoid alcohol-related incidents and damages, here are some tips you can do.

  • Avoid overconsumption of alcohol

  • Adding more foods instead

  • Use of taxi for transportation

  • Inform servers not to serve more alcohol to drunk colleagues

  • Recommend not to bring cars or not drive to avoid drunk driving


Being a responsible business owner and manufacturer can save you from huge expenses and protect your people. But, since alcohol consumption is not easy to monitor in the bar industry and social events, be prepared for its result. Protect your company from any legal, property liability, and medical expenses.

At Second Western Insurance Services, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We will go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (818) 952-5203 or Click Here to request a free quote. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!


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