Liquor and Social/Host Liability
Liquor liability policies provide coverage for a business that sells, serves, or distributes alcohol. Social, or host, liability is when a host could be responsible for the damages caused by a person who was given the alcoholic drinks at the party.
Pre-Suit Disclosure of Policy Limits
Several states have begun to require disclosure of an insured's liability policy limits and all applicable policies prior to a lawsuit being filed. Usually, the plaintiff may obtain this information in discovery, which would necessitate filing suit.