If you’re hosting large events like family reunions, retirement parties or weddings, you’ll want to consider adding Host Liquor Liability Insurance (or event liability). This isn’t for your average backyard BBQ. This coverage should be considered when a larger guest list makes it more difficult to monitor everyone’s alcohol intake, but it’s always best to connect with your broker first to confirm if it is needed for your event.This one-off policy can be acquired for a specific period of time and can protect you (the host) from injury or property damage claims against where alcohol was the determining factor and you are found negligent. Although Host Liquor Liability Insurance policy isn’t required by law, it’s highly encouraged.