DO YOU NEED TO HAVE AN INSURANCE POLICY WHEN YOU ARE HAVING A GATHERING AT A RESTURANT SUCH AS A WEDDING RECEPTION?
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UPDATED: Jan 26, 2014
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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.
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