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Welcome to June! The month of baseball games, summer picnics, graduation parties and weddings! Can you guess from that list—especially the last two—what coverage issue jumps to mind? That’s right: Liquor Liability!

Although there is an increasing awareness of the advantages of either limiting or eliminating alcohol from various previously beer-drenched activities, each of these social occasions is still traditionally a cause for imbibing. Although the personal lines exposure of pure host liquor is a topic for another day, let’s consider a key trend in otherwise commercial/business activities: BYOB.

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