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Legal

Host Insurance Verification Guide

Effective:
Last updated:
Jurisdiction:
United States

Why Verify Insurance?

bartendersNow™ connects you with independent contractor Bartenders who choose to maintain independent business insurance. The platform does not verify this coverage.

Verifying insurance protects you from:

  • Liability if a guest is injured
  • Property damage claims
  • Alcohol-related incidents
  • Costs if the Bartender is uninsured

What to Request

Ask your Bartender for a Certificate of Insurance (COI) showing:

Required Coverages

Coverage TypeMinimum Amount
General Liability (per occurrence)$1,000,000
General Liability (aggregate)$2,000,000
Liquor Liability (per occurrence)$1,000,000
Liquor Liability (aggregate)$2,000,000

Key Items to Check

      • Policy dates - Is the policy current? Does it cover your event date?
      • Coverage limits - Do they meet the minimums above?
      • Named insured - Does it match your Bartender's name/business?
      • Insurance carrier - Is it a reputable company?
      • Venue Requirements - Does the policy meet your event venue's specific requirements?

How to Verify

Step 1: Request the COI

Message your Bartender through the platform: "Please send me your current Certificate of Insurance before the event."

Step 2: Review the Document

Check the items listed above. If anything seems unclear, ask your Bartender for clarification.

For events with significant risk, call the insurance carrier directly:

  • Use the phone number on the certificate
  • Verify the policy is active
  • Confirm coverage limits
  • Ask if claims have been filed

Step 4: Document Your Verification

Keep a copy of the COI for your records.

Red Flags

Be cautious if:

      • Bartender refuses to provide a COI
      • Certificate looks altered or unprofessional
      • Dates have been manually changed
      • Carrier name is unfamiliar or unverifiable
      • Coverage limits are below minimums
      • Named insured doesn't match Bartender's profile

Your Responsibility

By using bartendersNow™, you acknowledge that:

  • The platform does NOT verify Bartender insurance
  • It is YOUR responsibility to verify coverage
  • You assume risk if you don't verify

Questions?

Contact support@bartendersnow.com with insurance-related questions.

This guide is for educational purposes only and does not constitute insurance or legal advice.