Rhode Island sells a one-day wedding license for $15, to a business rather than a couple.

Closer than most states. Rhode Island's Class F license, beer and wine at $15, and Class F-1, all alcohol at $35, can be held by a corporation, an LLC or a sole proprietorship as well as by a religious or political organization, and it is issued by the town or city where the event is held. A couple applying as individuals is not on that list, so most wedding bars still sit with a licensed venue or caterer. Whoever holds the license holds the pour; your event policy covers the host side.

No, and the contract says so. The venue's policy protects the venue, and a Rhode Island 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. R.I. Gen. Laws § 3-14-6 makes a retail licensee liable for negligently serving a minor or a visibly intoxicated person, and reckless service can carry punitive damages under § 3-14-8. 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.

Rhode Island liquor liability insurance

Only for whoever holds the license. Rhode Island writes its one-day license for organizations and businesses rather than for a couple, so at most weddings the permit and the liquor policy sit with the venue or caterer, and that policy answers claims made against them. A claim against the host is a separate claim, and the venue contract is written so that it reaches your policy rather than theirs. Get the caterer's certificate, and carry your own event policy with host liquor included.

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