egm insurance news for home and business
  December 2013

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Serve Up an Ounce of Prevention
Over the Holiday Season

EGM can provide insurance advice and special coverage
to help protect you from Host Liquor Liability.

Whenever you serve alcohol - whether as an individual or corporation - you automatically assume the burden of responsibility to ensure that nothing bad happens as a result.

Host Liquor Liability refers to your responsibility when you are considered the host providing and/or serving liquor to others. If property is damaged or worse, someone is injured or killed and a court of law decides that you were somehow involved by virtue of making alcohol available, you could find yourself in trouble.

Ask About a Special Event Policy
A Special Event Policy is a good way to avoid compromising your future premiums or insurability while preventing a Liquor Liability claim on your personal or business policy. Such policies are non-renewing, providing one-time coverage for a specific period, usually at reasonable rates.

Quick Tips for Party Hosts
  1. Businesses need to inform their insurance broker regarding all relevant activities, including event hosting and fundraising.
  2. Business owners should confirm that their insurance policy does not specifically exclude liquor liability. 
  3. Home and business owners should check with their insurance broker to ensure adequate coverage.
christmas present Merry Christmas to You and Yours

One of the joys of the holiday season is the opportunity to say thank you for your business, and to wish you and yours a very Merry Christmas and all the best in the New Year.

EGM Insurance
PEMBROKE: 270 Lake Street  613-735-0621
PETAWAWA: 7 Hilda Street  613-687-SAVE
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