Expertise. Solution. Service.
MAXIMUM offers a flexible and agent-friendly solution for clients who host multiple events throughout the year where alcohol may be served—but who are not in the business of selling or distributing alcohol. The Annual Host Liquor Liability program is designed specifically for hosts of social, corporate, and nonprofit events who need protection from third-party claims related to alcohol consumption at their functions.
Ideal Accounts and Appetite
This program is ideal for organizations and individuals who host up to 24 events annually with no more than 150 attendees per event. Your clients should not hold a liquor license or permit, and they must not be in the business of selling or serving alcohol. Events should be incidental to the client’s core operations—such as corporate gatherings, fundraisers, or social celebrations.
Target classes include:
| • Anniversary parties |
• Conferences |
• Retirement parties |
| • Banquets |
• Fundraisers |
• Seminars/workshops |
| • Beef and beers |
• Monthly board meetings |
• Wedding receptions |
| • Cocktail parties |
• Picnics |
Coverage Highlights and Advantages
MAXIMUM’s Annual Host Liquor Liability program offers broad coverage and key enhancements that help protect your clients from unexpected liabilities:
- • Social media tools
- • Identity theft protection
- • Marketing resources
Underwriting Notes
This program is not suitable for risks that:
There is no stated minimum premium, but underwriting evaluates each risk based on event frequency, location, and exposure details.
Territories and Availability
This program is available in most states, including but not limited to CA, TX, NY, FL, PA, and OH. It is not available in AK, AL, IA, IL, LA, MN, MS, OR, RI, VT, or WV. The program is offered on an admitted basis in most eligible states.
Why Work With MAXIMUM?
As a trusted wholesale broker, MAXIMUM delivers tailored insurance solutions for niche liability exposures. Their responsive service, underwriting expertise, and access to competitive markets make them a valuable partner for agents seeking to protect clients who occasionally host events where alcohol is served.
Whether your client is a nonprofit hosting quarterly fundraisers or a business throwing a holiday party, MAXIMUM can help safeguard them from liquor-related liability risks—without requiring a separate policy for each event.
Please reach out to us today by phone or email with any questions and to discuss how we can assist in this process.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include individuals or organizations hosting up to 24 events annually with fewer than 150 attendees per event, where alcohol is served but not sold.
Can my client hold a liquor license for any of the events?
No. Applicants must not hold a liquor license or permit for any event to qualify for this program.
What are some examples of acceptable events?
Examples include wedding receptions, fundraisers, corporate banquets, retirement parties, and board meetings with alcohol served.
Is this program available in all states?
No. The program is not available in AK, AL, IA, IL, LA, MN, MS, OR, RI, VT, or WV. It is available in most other states.
Does the policy include assault or battery coverage?
Yes. Assault or battery coverage is included at no additional premium under this program.
Need help placing an account? Connect with a market specialist.