Wedding Host Liquor Liability Coverage??

JLTroupe

Does anyone know where I can get host liquor liability coverage? Wedsafe.com and privateeventinsurance.com policies have been rejected by my attorney because they do not cover automobile-related accidents.

megk8oz

I would try calling up whoever you get your homeowners and/or auto insurance from. Even if they can't provide you with the coverage, they can most likely put you in contact with an agent that can.

tommyandy

Have you tried Travelers insurance?  The people with the red umbrellas in their commercials.  I don't see how you would be responsible for drunk drivers after the party.  

Talk to your caterer and bartenders.  Plan to make your grand exit about 45 minutes before the wedding has to leave the venue.  Close the bar 45 minutes before that & start serving coffee an hour before you leave.  This will give your guests almost 2 hours to sober up before they need to drive.  Insist that the bartenders cut off the heavy drinkers if they start to get out of hand.  Or, they can start serving the drunks virgin drinks without telling them.  HTH

lyndausvi

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_reception-ideas_wedding-host-liquor-liability-coverage?plckFindPostKey=Cat:Wedding%20BoardsForum:5Discussion:bd3b0a23-ce9a-4861-aeb8-b70f5d9b1d1dPost:1b0148a8-49a1-4470-af09-362d7b96f482">Re: Wedding Host Liquor Liability Coverage??</a>:
[QUOTE]Have you tried Travelers insurance?  The people with the red umbrellas in their commercials.  I don't see how you would be responsible for drunk drivers after the party.   Talk to your caterer and bartenders.  Plan to make your grand exit about 45 minutes before the wedding has to leave the venue.  <strong>Close the bar 45 minutes before that & start serving coffee an hour before you leave.  This will give your guests almost 2 hours to sober up before they need to drive.</strong>  Insist that the bartenders cut off the heavy drinkers if they start to get out of hand.  Or, they can start serving the drunks virgin drinks without telling them.  HTH
Posted by tommyandy[/QUOTE]

Come on, it takes  WAY LONGER than 2 hours to sober up.   And coffee does not sober anyone up, it  just keeps a drunk awake.  Geez...

Anyway we got ours from my parents homeowners insurance company.  It was a rider that was either free or only cost a few hundred.

2dBride

Wedsafe Liability insurance does cover auto-related accidents.  Your attorney needs to look again at the policy.

tommyandy

The coffee is to make them pee, The more they pee, the faster their bodies can process the alcohol & if you can't sober up after 2 hours, you drank to much for a wedding.

The virgin drinks thing is a trick I learned bartending a few years ago.  You don't tick off the drunk guy by cutting him off, you just pour him a coke & no rum, or a vodkaless cran & pineapple, or a gin free tonic with a wedge of lime, etc. 

katieanne85

This is why we decided to have our alcohol catered, with a liscensed bartended, our caterer helped us out. We could have saved a little money diying it and getting insurance, but the hassle wasnt worth it.

lyndausvi

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_reception-ideas_wedding-host-liquor-liability-coverage?plckFindPostKey=Cat:Wedding%20BoardsForum:5Discussion:bd3b0a23-ce9a-4861-aeb8-b70f5d9b1d1dPost:97926875-5c0b-4e7c-988f-6412d1f59afe">Re: Wedding Host Liquor Liability Coverage??</a>:
[QUOTE]The coffee is to make them pee, The more they pee, the faster their bodies can process the alcohol & if you can't sober up after 2 hours, you drank to much for a wedding. ;) The virgin drinks thing is a trick I learned bartending a few years ago.  You don't tick off the drunk guy by cutting him off, you just pour him a coke & no rum, or a vodkaless cran & pineapple, or a gin free tonic with a wedge of lime, etc. 
Posted by tommyandy[/QUOTE]


It still does not work that fast unless you only had one drink.   Especially when most states have near zero tolerence.  

And the virgin drinks only works if they are drinking hard liquor.  I drink wine or beer, can't use that trick on me.   I also do not drink coffee so that would not work on me either.  Actually I can't think of a single person who would drink coffee that late at night (even decaf) 

Do not get me wrong, I'm all for cutting the bar off sooner but saying makes people sober is a little off.  What it does do it keeps people from getting drunk or more drunk, it does not sober them up.

MyNameIsNot

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/wedding-boards_reception-ideas_wedding-host-liquor-liability-coverage?plckFindPostKey=Cat:Wedding%20BoardsForum:5Discussion:bd3b0a23-ce9a-4861-aeb8-b70f5d9b1d1dPost:97926875-5c0b-4e7c-988f-6412d1f59afe">Re: Wedding Host Liquor Liability Coverage??</a>:
[QUOTE]The coffee is to make them pee, The more they pee, the faster their bodies can process the alcohol & if you can't sober up after 2 hours, you drank to much for a wedding. ;) The virgin drinks thing is a trick I learned bartending a few years ago.  You don't tick off the drunk guy by cutting him off, you just pour him a coke & no rum, or a vodkaless cran & pineapple, or a gin free tonic with a wedge of lime, etc. 
Posted by tommyandy[/QUOTE]

<div>That's not true at all.  Your liver is how you metabolize alcohol.  Nothing you put in your body can make it metabolize faster.  Most people can process 1-2 drinks per hour.  If you drink more than 2 drinks an hour for more than one hour, you're going to need more than an hour to sober up.</div><div>
</div><div>Coffee and food can wake you up and make you feel/appear less drink, but it doesn't reduce your BAC level, and it doesn't improve your driving capabilities.  </div>