Host Liquor Liability Insurance

April 30, 2015 2:05 PM

In the midst of wedding planning and I am not sure how to resolve this particular issue. We finally found and booked a venue that we like and where we could bring in an outside caterer. Our caterer happens to be a BYO restaurant. Our venue allows us to serve alcohol but requires proof of insurance. Particularly, Host Liquor Liability insurance for $500,000. Since the caterer is a BYO, he does not have this coverage. How do I go about getting the required insurance? I know there are third party insurance providers. Is this where I should turn to? [Located in Philadelphia, the venue is a township owned building, the wedding date in Summer 2015]
posted by allthingsconsidered to Grab Bag (5 answers total)

Do you have homeowners or renter's insurance? When we had to provide what seems like the same thing, we asked our homeowners insurance company (State Farm) to provide it for us, and they did. It was $50, and the agent I talked to was not even remotely taken-aback by the request.
posted by obfuscation at 2:08 PM on April 30, 2015 [4 favorites]

You should be able to get temporary one day wedding insurance for this for about $50-100. They will also cover other aspects of the event and you should be able to add host liquor liability to any one day event insurance policy. We specifically looked for one that was backed by a bigger company but I don't remember who.

Here's Wedsafe:

Here's Travellers:
posted by edbles at 2:21 PM on April 30, 2015

Best answer: We used Wedsafe for our wedding in Philadelphia; the form is very easy and offers a lot of different coverage options (including rehearsal dinner, event cancellation, and tiers of coverage.)
posted by jetlagaddict at 2:25 PM on April 30, 2015

In NYC I paid about $750 for an event at which I provided wine.
posted by brujita at 12:12 AM on May 1, 2015

It's a standard product, if there are any technicalities they should be able to walk you through them.
It'll probably cost you very little.
In fact if you have event insurance or wedding insurance (which you should, it's worth it) then ask for it to be included in that.

Also, Liability insurance is generally crazy cheap compared to the huge number attached.
For my wedding we ended up with a impressive sounding £10,000,000 public liability insurance. It cost about £8 extra I think?
posted by Just this guy, y'know at 5:16 AM on May 1, 2015