Q: When would a business ever need to hire a Bartending Service?
Anytime you have a reason to celebrate! Whether it’s celebrating the end of a successful run or the Christening of a brand new office building alcohol can certainly add to the party. Retirement parties, open-houses, customer/client appreciation, new product roll-outs, you name it - there are more opportunities to hold an event at your business than you might think! They can be a great way to showcase your business and solidify relationships; however there are important considerations anytime alcohol is involved with the workplace.
Q: Why hire a Bartending Service and what is Liquor Liability Insurance?
Thirty-eight states have passed dram shop statutes. In addition a national model dram shop act has been proposed. The explosion in liquor liability legislation has occurred in the past ten years as states have begun to take an aggressive approach to enforcing state laws on the sale and service of alcoholic beverages.
Liquor Liability Coverage protects dispensers of alcoholic beverages against suits arising out of bodily injury and/or property damage caused by its customers to a third party. Establishments covered include bars, restaurants, hotels, motels, or wherever the alcoholic beverages are dispensed. These establishments are excluded from coverage under general liability insurance.
Q: Once my guests leave the premises I don’t have to worry about them – right?
You may think that you are only responsible for your patrons while they are at your establishment, but that is not the case. There are a number of possible scenarios and hospitality law violations that could have serious consequences for your business, long after the patron has left your premises. In addition to normal premises liability claims, your business could be held responsible for:
v Drunk-driving accidents
v Underage drinking
v Bar fights
v Assaults
v Over serving of alcohol
Q: My Company already has insurance so I should be covered – right?
LIQUOR LIABILITY POLICY Purpose: Protects insured’s or their indemnities engaged in the business of manufacturing, distributing, selling or serving alcoholic beverages against liability imposed by law or statute for injury or damage resulting from actions because of intoxication of any other person by reason of the sale or distribution of alcoholic beverages by the insured. This policy is designed to protect the insured against liability imposed by strict Dram Shop Acts in certain states and by common law cases in others, which is excluded in the current revisions of the General Liability policy.
Q: My friends and clients won’t get me in trouble by naming me or my business – right?
Surveys showed that when drivers were arrested for drunk driving, more than half the time they named commercial establishments as the place where they had last obtained alcohol. Tough enforcement of regulatory laws and new liquor liability legislation was encouraged by such organizations as RID, MADD and SADD.
In the most recent statistics compiled by MADD (Mothers Against Drunk Driving), over 40% of the automobile accident fatalities in Arizona involve alcohol.
Q: My secretary used to be a bartender in college so she knows the laws – right?
The retail alcoholic beverage industry's primary response to the increased exposure to dram shop liability claims has been the implementation of server and manager training programs. Researchers are showing a link between comprehensive server training programs and the reduced risk of intoxication. ALL Hey Bartender! staff are certified by the Arizona Department of Liquor Licenses & Controls. Don’t risk it!
Q: I use a catering company. They must have the proper coverage – right?
They probably have coverage - for themselves! If they cannot provide a certificate that has YOUR name or company name on it they probably have “host” insurance as part of their general liability policy. That protects them, not you! Liquor Liability Insurance is expensive! That’s why most caterers do not buy it and many caterers contract out the bartending and liquor service. Make them provide a copy and if they can’t, just call Hey Bartender!
Information on this page was gathered from publicly available websites. Consult local laws. Not intended as legal reference.