Does an organization have to have an insurance policy that is for an annual banquet?

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Does an organization have to have an insurance policy that is for an annual banquet?

If not, does the restaurant’s insurance cover any accidents. No other activities happen during the year.

Asked on January 30, 2014 under Insurance Law, Connecticut

Answers:

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 7 years ago | Contributor

Typically, a restaurant's insurance would cover accidents or injuries occuring at the restaurant for which the restaurant would be liable--that is, ones which are its fault, whether due to negligence/carelessness (e.g. not cleaning up a spill, so that someone falls; an employee spilling hot soup on someone) or due to intentional bad acts (e.g. an employee hitting a guest). It would not cover acts for which the restaurant is not at fault, such as if one banquet guest hits another, or someone trips over his/her own feet while at the restaurant.


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