What it does
Excludes liability for causing or contributing to intoxication in connection with the home business except for activities scheduled in the endorsement.
Who needs it
Home businesses that serve or provide alcohol incidentally (tastings, events).
Quoting and selling notes
- Businesses selling alcohol need a liquor liability policy.
Editions and availability
Editions in use and where they apply: 03 22 (41 jurisdictions); 10 00 (9 jurisdictions: AL, CA, CT, FL, GA, HI, NC, TX, VI).
A homeowners policy is not built for commercial exposures. Workers compensation for employees, business auto, professional liability and larger product or premises exposures need commercial policies; use homeowners endorsements only for incidental activity and move growing businesses to a BOP or CGL program.
