Does BOP provide liquor liability coverage for insureds who host events where alcohol is provided?

• A. BOP does not cover liquor liability generally but may provide host liquor liability for such events.
• B. BOP covers all liquor liability without restrictions.
• C. BOP never covers any liquor liability.
• D. BOP covers liquor liability only if the insured is a licensed vendor.

Answer: (A)

Liquor liability exposure is handled separately from standard general liability. In a BOP, liability for selling or serving alcohol isn’t included in the base policy. However, many BOP forms offer host liquor liability coverage as an endorsement or rider that protects the insured when they host a private event and provide alcohol to guests, as long as the insured isn’t in the business of selling alcohol. This means the policy can respond to claims arising from such hosted events, but it does not blanketly cover all liquor liability or coverage for a business whose core activity is selling alcohol. If the insured is a licensed vendor selling alcohol as a business, that would typically require separate liquor liability coverage beyond the host-liquor endorsement.