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Subject: BYOB at Association parties
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Author Messages
TeresaR4
(Arizona)

Posts:25


04/28/2019 7:35 PM  
Our insurance carrier provides insurance for Association parties that allow BYOB. We have a party coming up and the Events Chair wants to have a margarita machine, and guests can bring the tequila.
The party is also at our Presidents house . I'm a bit concerned that this is beyond BYOB when the Chair facilitates and organizes the booze distribution.
Does anyone have points to consider on this..i am uncomfortable with it. BYOB usually means, bring what you intend to drink, not provide others something to drink also.
DouglasK1
(Florida)

Posts:1395


04/28/2019 7:46 PM  
That would be a good question for your insurance carrier.

Escaped former treasurer and director of a self managed association.
SteveM9
(Massachusetts)

Posts:3231


04/29/2019 6:33 PM  
I would guess that since its at a private home, that owner and his insurance bears the legal responsibility if anything were to happen.
TimB4
(Virginia)

Posts:16311


04/29/2019 7:00 PM  
I wouldn't do it as an Association party.
SteveM9
(Massachusetts)

Posts:3231


04/29/2019 7:33 PM  
Posted By TeresaR4 on 04/28/2019 7:35 PM
Our insurance carrier provides insurance for Association parties that allow BYOB.


Where were these past parties held that the insurance company covered?
FredS7
(Arizona)

Posts:900


04/30/2019 4:38 PM  
Posted By SteveM9 on 04/29/2019 6:33 PM
I would guess that since its at a private home, that owner and his insurance bears the legal responsibility if anything were to happen.




I think the owner would at minimum be exposed to some of the risk, maybe most of it.
SteveM9
(Massachusetts)

Posts:3231


04/30/2019 5:55 PM  
Legally, yes.
MarkM19
(Texas)

Posts:310


04/30/2019 6:12 PM  
Any party in a private residence the owner takes responsibility for the invited guests. If you have 6 friends over for drinks and game night do you call your insurance broker and get a ridder? Of course not.

I would not call it a HOA event. Is the HOA contributing dollars to pay for other food or drinks? It is a gathering of our friends and families in the neighborhood. That being said how many guests are expected to attend?
JohnC46
(South Carolina)

Posts:8274


05/01/2019 6:30 AM  
Posted By MarkM19 on 04/30/2019 6:12 PM
Any party in a private residence the owner takes responsibility for the invited guests. If you have 6 friends over for drinks and game night do you call your insurance broker and get a ridder? Of course not.

I would not call it a HOA event. Is the HOA contributing dollars to pay for other food or drinks? It is a gathering of our friends and families in the neighborhood. That being said how many guests are expected to attend?




I agree.
TeresaR4
(Arizona)

Posts:25


05/03/2019 9:40 AM  
It is a HOA sponsored social event. Paid for by HOA. An approved budget item. The resident has offered their home as the meeting place.
SheliaH
(Indiana)

Posts:2473


05/03/2019 11:21 AM  
As some have suggested, you really need to run this past your association insurance carrier. Since this is being held at a private home, it may be the resident's insurance would cover any problems.

You might also consider talking to the host about your concerns (have you? If so, what was the response?) You can always suggest that non-alcoholic drinks be made available - in fact, you may have more of that than the tequila (people are always trying to get hold of free booze!). If not, make sure you have plenty of food to eat to sop up the alcohol (chips and dip don't count) and shut down the machine an hour before the party ends and keep an eye out for people who've had a little too much (hopefully other neighbors will make sure he/she don't get behind the wheel and get home safely)
FredS7
(Arizona)

Posts:900


05/03/2019 4:14 PM  
Well...in the extremely unlikely event of an issue...it looks like two parties and two insurance companies would be involved.

JoyceR2
(Virginia)

Posts:149


05/13/2019 11:24 PM  
So you are paying a insurance "premium" to an insurance company to cover you for a BYOB HOA party that all HOA members can attend? How often do you review insurance cost or compare insurance companies for a better rate? Who decides & approves these parties? Curious.
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Forums > Homeowner Association > HOA Discussions > BYOB at Association parties



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