DO YOU NEED TO HAVE AN INSURANCE POLICY WHEN YOU ARE HAVING A GATHERING AT A RESTURANT SUCH AS A WEDDING RECEPTION?

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Jan 26, 2014

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from North Haven, CT

Asked on 01/26/2014

DO YOU NEED TO HAVE AN INSURANCE POLICY WHEN YOU ARE HAVING A GATHERING AT A RESTURANT SUCH AS A WEDDING RECEPTION? THE NORTH HAVEN MAYFLOWER SOCIETY HAS IT'S ANNUAL MEETING AT A RESTURANT. ONE HUNDRED OR MORE ATTEND THE EVENT. DO THEY NEED TO HAVE AN INSURANCE POLICY TO PROTECT THEMSELVES AGAINST BEING SUED BECAUSE OF AN INJURY. DOES THE LIABILITY FALL OF THE ESTABLISHMENT RATHER THAN THE ORGANIZATION. THANK YOU.

Answer given on February 19, 2014

If you are having a special event at a restaurant, then the restaurant will most likely have the necessary insurance for the event and participants at the event.Restaurants normally have liability insurance for injuries to guests, food issues and liquor liability, if there is liquor involved at the event. You should confirm this with the specific restaurant, but it is unlikely that they would not have this protection on a normal basis.If you have signed the contract for the event as an individual, your personal liability from your homeowner insurance policy will protect you if you are held legally liable for an event that occurs at the restaurant. It is unlikely that you would be held liable, but if you are sued, your homeowner insurance will defend you and pay any amount determined in a court case, up to your policy limits.Sometimes a location will request evidence of insurance from you, but this is usually a simple form that your insurance carrier can provide for little or no cost.


IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption