March 2, 2015
Our agency has an insured with a banquet hall and art museum where the insured holds special events and sells alcohol to the guests. Our insured does have a liquor license and liquor liability coverage on its commercial package policy. The insured hires bartenders/servers from a local vendor for these events. The vendor's insurance company has told the vendor that it does not have to carry liability insurance, nor do the bartenders since they are not selling the liquor; our insured is. Our insured is wondering now if it is protected under its liquor liability policy since it seems the vendor and the bartenders do not carry such coverage.
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