In Idaho the wedding bar is the caterer's license, and a dry hire is illegal.

Not as a private person. Idaho catering permits come from the city or county and go only to businesses that already hold a retail alcohol license, and Idaho State Police ABC says a dry hire, where you buy the alcohol and pay someone to pour it, is illegal whoever bought the bottles. So an Idaho wedding bar is a licensed caterer's permit, and your event policy covers what the caterer's does not: your guests, the venue's property, and the host liquor claim the venue will name.

No, and the contract says so. The venue's policy protects the venue, and a Idaho 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. Idaho Code § 23-808 gives a claim against a person who sold or furnished alcohol to someone underage or obviously intoxicated when the provider knew or ought to have known, and the statute says furnished, not only sold. 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.

Idaho liquor liability insurance

Only for the caterer. In Idaho the permit for a wedding bar belongs to a business that already holds a license, and that business's liquor policy answers claims made against it, not claims made against you. If a guest sues the host, or the venue looks to the host under its contract, the caterer's insurer has no reason to respond. Ask the caterer for a certificate anyway, because a caterer without liquor coverage is a caterer whose claims land on the nearest solvent party, which at a wedding is the couple.

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