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 Posted: Tue Apr 13, 2010 9:18 pm Post subject: General Liability Insurance |
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We are going to have an office party during the holidays. Do I need to be concerned if we serve alcohol at the event?
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DelizaDolittle
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| Posted: Tue Apr 13, 2010 9:27 pm Post subject: |
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There is certainly a need to act responsibly as the host when liquor is served at a company event. With regards to insurance coverage, many general liability policies will provide some coverage in the event liquor consumption at a company party is considered to have contributed to a loss. We recommend that you touch base with your insurance agent and review what your policy covers and its’ limitations before such an event.
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Greg Marcyniuk
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GregHeritage
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| Posted: Fri Apr 16, 2010 10:58 am Post subject: General liability insurance. |
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| General liability insurance can be purchased separately or as part of a business-owner's policy (BOP). A BOP bundles property and liability insurance into one policy; however, the liability coverage limits are generally pretty low. Businesses that need more coverage usually purchase liability insurance as a separate policy. |
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johnsmith
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| Posted: Fri Apr 16, 2010 2:23 pm Post subject: |
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The company does not have liability insurance?
Certainly you should be concerned... not just about the risk but also about how you would provide a defense if someone files suit. That can be expensive.
The company really should look into some type of liability policy. |
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tcope
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| Posted: Fri Apr 16, 2010 11:34 pm Post subject: |
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You MUST remember that no business liability contract (or any liability coverage, for that matter) will cover bodily injury or property damage losses
sustained by an insured.
Employees are normally considered insureds under most business policies, and almost always under a BOP. So....there would be no "host liquor" liability coverage for injuries or damages sustained by an insured person...the employee.
Remember that liability is for the OTHER than insured person.
Just a thought...
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InsTeacher
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| Posted: Sat Apr 17, 2010 12:49 am Post subject: |
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| Quote: | You MUST remember that no business liability contract (or any liability coverage, for that matter) will cover bodily injury or property damage losses
sustained by an insured. |
As a blanket statement, that is incorrect. Sustained by an employee in the "workplace". This is not just a location... it's basically while the employee is working. I'm hoping that the office party is not going to be going on while everyone is working as normal. If so... please let me know where to send my application.
| Quote: | | So....there would be no "host liquor" liability coverage for injuries or damages sustained by an insured person...the employee. |
Only if the insured is producing, selling, serving as their business.
| Quote: | | Remember that liability is for the OTHER than insured person |
Sorry... this is really incorrect as stated. It's more try that workers compensation is more likely to be the sole remedy for the employee but this only applies while they are working. |
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tcope
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| Posted: Thu May 06, 2010 6:30 pm Post subject: catering |
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can a person get general liability insurance for off and on catering
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smoker
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| Posted: Fri May 14, 2010 4:04 am Post subject: |
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| Quote: | | We are going to have an office party during the holidays. Do I need to be concerned if we serve alcohol at the event? |
If an employer serves, or condones the consumption of alcohol by employees in the workplace, it could result in workers' compensation losses in addition to general liability claims.
An employer could be found to be culpably negligent if serves alcohol to the employees, allows an intoxicated employee to drive away from the workplace, and the employee is involved in a traffic collision, for example. Both for the damages to the third party and to the employee.
Not a wise thing to invite employees to consume alcoholic beverages at the workplace, or at company expense off premises. If there is the least "expectation" on the part of any employee that not consuming alcohol could interfere with one's employment or promotions, there are even greater liability issues that might arise.
Remember, this is America. Personal injury lawyers get paid for suing for even the most ridiculous things. Don't actively invite trouble with something a bit more serious.[/quote]
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MaxHerr
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| Posted: Fri May 14, 2010 4:06 am Post subject: |
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| Quote: | | can a person get general liability insurance for off and on catering |
Absolutely! I just got a new policy from The Hartford for just a tad over $450 for the year. Less than half of what I paid last year for less coverage from a non-admitted insurer.
If you have an liquor license, expect to pay a lot more. And if you have employees, you'll need workers' comp, too.
I either do it all by myself (have done events up to 300 diners -- buffet style), or my client supplies volunteers, or they pay for hired help through a staffing agency (directly or my cost + 10%).
Saves me $x,000s per year. WC insurance premiums in the food service category in CA is a real killer. Slip n fall, back injuries. Lots of risk exposure.
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MaxHerr
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| Posted: Wed Jun 23, 2010 2:20 pm Post subject: |
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Hi,
Protects the contract from claims resulting from the contractor's construction operations that result in bodily injury or property damage.
Compare pet insurance |
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spiralwilson
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| Posted: Tue Sep 21, 2010 3:19 am Post subject: |
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Many informations came to know from this post. The liability coverage limits are generally pretty low. Businesses that need more coverage usually purchase liability insurance as a separate policy.
link submitting |
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Sheena
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| Posted: Wed Sep 22, 2010 12:50 am Post subject: |
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Commercial liability policies generally BEGIN at $1,000,000 coverage. That's not low compared to personal insurance standard limits.
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MaxHerr
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| Posted: Mon Nov 15, 2010 7:47 am Post subject: |
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| Your information was really helpful for me. Very good and cool, Thank you for your sharing. Good informative article, I'd like to know more about it. |
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Bates
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| Posted: Tue Dec 14, 2010 1:18 pm Post subject: |
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| Shouldn't be too much of a problem to serve alcohol, but you'll want to make sure you're covered in case anything happens. There's an good article about it if you want to check it out |
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LiLoLu
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| Posted: Tue Dec 14, 2010 8:38 pm Post subject: |
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| Quote: | | Shouldn't be too much of a problem to serve alcohol |
LiLoLu . . . If you are commenting about serving alcoholic beverages to employees in the workplace, or at a sponsored event, you can be sure that the Workers' Compensation insurer will not be happy to receive a claim. It can be an exclusion in the contract. It would leave the employer exposed to liability for an employee's losses, and in that case the CGL insurer won't be any happier.
There have been huge civil suits brought by employees who claimed they did not get promotions because they refused to attend such parties, or felt pressured to consume alcoholic beverages in order not to suffer other adverse consequences, and then were involved in traffic accidents or other incidents as a result. Those aren't WC claims, either.
So "not much of a problem" can easily explode into a big headache.
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MaxHerr
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