- 1). Determine whether you can be covered under a wedding insurance policy, if you are working as bartender at a wedding. Such policies, which usually cover the cancellation of the event as well as damage that occurs if it does take place, are quite commonplace. You may automatically be covered under such a policy, or you may be given the option of taking out a rider.
- 2). Check with the venue that is sponsoring the event or is responsible for the property. In all likelihood, the venue already has a liability insurance policy in place. You may be able to “piggyback” on this policy and take out a rider, just as with a wedding insurance policy.
- 3). Call the insurance carrier who covers your home or car. If the carrier doesn’t offer liquor liability insurance, ask for a referral to a company that does. This tack alone can save you untold hours of potential research.
- 4). Consult liquor establishments in your community and inquire where they have gotten liquor liability coverage. Your local chamber of commerce also may be able to point you in the right direction.
- 5). Research liquor insurance companies online for liquor liability insurance policies. Be sure to scrutinize the coverage details, such as assault and battery and lawsuit coverage and policy limits. Many companies cater to small-business owners.
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