Host Liquor Liability
Host Liquor Liability is coverage for businesses that don't sell alcohol but may be liable for alcohol-related incidents at events where alcohol is served but not sold by the business.
What You Need to Know
If you operate a BYOB restaurant or host private events where the client provides alcohol (you're not selling it), you still face liability if an intoxicated guest causes harm. Host liquor liability protects you from these claims.
Why It Matters for Restaurant Owners
Many BYOB restaurants and event spaces mistakenly believe they have no alcohol liability if they're not selling it. This is false — you can still be sued for over-serving, serving minors, or failing to stop intoxicated behavior.
If you allow customers to bring their own alcohol or host events with alcohol you don't sell, you need host liquor liability coverage. It's typically included in standard general liability, but verify your policy doesn't exclude it.
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