In Arkansas a free wedding bar usually needs no permit. The dram shop statute still applies.

For an open bar at a venue with no ABC permit, usually no. Arkansas ABC's own FAQ says that where a facility holds no permit and the drinks are truly free, a permit is usually not required. The trap runs the other way: a venue that does hold an ABC permit cannot give alcohol away for any reason, so a hosted bar at a licensed hall is the venue's sale. Either way, Arkansas does have a dram shop statute, whatever the internet says, and the venue contract will want host liquor liability on your event policy.

No, and the contract says so. The venue's policy protects the venue, and a Arkansas venue agreement usually asks for two things from you: your own general liability limit, and the venue named as an additional insured on it. The second clause moves the venue's exposure at your event onto your policy. A guest hurt on the dance floor, a damaged wall or a claim over a drunk guest is presented to your certificate first, and the venue's insurer expects to find it there.

Yes, in principle. Arkansas Act 1596 of 1999, the state’s dram shop act, lets a jury find a retailer liable where it knowingly sold alcohol to someone clearly intoxicated, or reasonably should have known the person was, and the sale caused the injury. The claim runs first at whoever held the license and poured, and a host who supplied the alcohol or ran the bar can be joined, which is what the host liquor line on an event policy exists to answer.

Arkansas liquor liability insurance

Only for the bartender's own mistakes. When a free bar in Arkansas needs no permit, nobody holds a license over the pour, so nothing stands between a claim and the host except the host's own policy. A bartending service may carry general liability for itself, and it may not; Arkansas does not license or certify servers, so there is no credential to check. Ask for a certificate, and carry your own event policy with host liquor included, because at a permit-free bar you are the responsible party.

Yes, and most events do. Single-event coverage is written for the dates of the event, usually including set-up and tear-down, and it is issued quickly enough to satisfy a venue asking on short notice. If you run more than three or four events a year, an annual policy is generally cheaper and means the certificate exists before it is asked for.

Almost always three things, and only the first is a number: a limit, usually one or two million per occurrence; their entity named as additional insured by endorsement rather than typed on the certificate; and often a waiver of subrogation. Send us the contract rather than the number: the wording is what gets certificates rejected, and it is the part people summarize.

No, and they are constantly confused. Event liability pays when somebody else is injured or their property is damaged. Cancellation coverage pays YOU back for money you have already committed when the event cannot happen. Venues require the first; the second is the one that saves your own budget, and most organizers buy only the one they were asked for.

What cancellation coverage pays for

Host liquor is commonly included where you are not in the business of selling it: a wedding with a hosted bar, a company party. The moment there is a cash bar, a license, or alcohol as a revenue line, it is liquor liability proper and it is a separate coverage that the base form excludes by name.

When host liquor stops being enough