Page 33 - Grapevine Jan-Feb 2020

In The Winery

to name the winery as an Additional Insured on the
host’s event policy. That way, if there is a claim
made against your winery due to the actions of
the host, the event policy will defend and indem-
nify you against that claim. It is also a good idea
to require the host’s insurance carrier to be A.M.
Best rated “A-” or better. That way the carrier is
financially strong and likely to be around to pay the
claim should one occur.

Examples of claims that would be covered under
an event liability policy can range from damage
to a furnishings such as couches, mirrors, coffee
tables – even toilets and landscaping from wed-
ding or other event guests. Event hosts would also
be protected if someone slips, falls and gets injured
at the facility if the host was negligent. There are
even worse claims that the event host needs pro-
tection from when an over-served wedding guest
is involved in an auto accident on the way home.
These situations would be covered only if the dam-
age or injury was the fault of your client. Your
business should have your own risk management
plan which includes liability coverage to protect
you from the hosts wrongdoing.

ADDITIONAL EVENT LIABILITY
COVERAGE BENEFITS:

• Limits vary by insurance carrier, but bodily inju-
ry and property damage liability limits typically
are up to $1 million per occurrence and $2 mil-
lion total per policy period.

• The venue can be named as “additional
insured” on the certificate of insurance for no
extra cost.

• Host liquor liability is included for free.

• Set-up and tear-down is covered (within 24
hours of the event).

• If the event being held at your facility is a
wedding, an event liability policy covers the
ceremony, reception and rehearsal dinner (if
the rehearsal dinner is within 48 hours of the
event).

• Many policies are primary over any other insur-
ance policy. This means, if a claim were to
occur, the event liability policy would pay out
before any other insurance policy and there

877-892-5332 The Grapevine • January - February 2020 Page 31

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