Coverage, amount, duration
Our insurance agent requires that you and each of your vendors provide a Certificate of Insurance (COI) for General Liability including Bodily Injury and Property Damage in the amount of $1,000,000.00 naming “Burlington Meeting House, Inc.” as additional insured and which covers all hours/days Renter is on the property.
If you will be serving alcohol, you must also provide one for Host Liquor Liability in the amount of $1,000,000.00 naming “Burlington Meeting House, Inc.” as additional insured.
If your caterer will be serving alcohol, they must also provide a Certificate of Insurance for Liquor Liability in the amount of $1,000,000.00 naming “Burlington Meeting House, Inc.” as additional insured.
Be sure that the coverage is for not just the duration of the event (perhaps overnight) but also the time needed to set up and clean up the event (perhaps a tent).
Where do I get a COI?
You can get one from your insurance agent. If you don’t have an agent or policy, you can buy event insurance from:
The Event Helper
https://www.theeventhelper.com/
The entity you indicate in the Event Location/Additional Insured Step of the online application automatically becomes the first certificate holder and additional insured.
Thimble
https://www.thimble.com/general-liability-insurance
Alexandria Suro
Commercial Lines Account Manager
Haines & Haines/T.C. Irons Agency
230 High Street, P.O. Box 158
Burlington, NJ 08016
609-387-0606 ext. 115
ASuro@tcirons.com
Jim Griffis
Farmers Insurance
1400 Chews Landing Rd
Laurel Springs, NJ 08021-2770
856-281-3020 (Office)
jgriffis@farmersagent.com
To whom should the agent make out the COI?
We are to be listed as “additional insured” on the COI in this manner:
Burlington Meeting House, Inc.
340 High St., Burlington, NJ 08016
Social Host Liability
“Should you serve alcohol to your social guest to the point that they are visibly intoxicated and your social guest subsequently causes injury to a third party (via drinking and driving), you may be held accountable under social host liability laws for the injuries or damages sustained to any third party as a result of your visibly intoxicated guest’s actions.
Significantly, New Jersey Courts have held that social guests who serve themselves at a party will not absolve a social host from legal responsibility. This is why it is vital to pay attention to your guest’s behavior.”
https://www.nj.com/south-jersey-voices/2015/05/post_479.html
Alcohol and Permits
Retail licensees that wish to sell alcoholic beverages in open containers off its licensed premises must obtain a Catering Permit.
Non-profit organizations that wish to hold a fundraising event that encompasses the sale of alcoholic beverages must obtain a Social Affair Permit.
https://www.nj.gov/oag/abc/downloads/abcmunicipalhandbook.pdf