General liability and commercial auto liability typically cover third-party injuries resulting from intoxicated passengers. However, liability exposure increases significantly when alcohol is involved — intoxicated passengers are more likely to cause incidents while boarding, riding, or exiting the vehicle. State dram shop laws may create additional exposure for operators who serve or allow alcohol consumption on their vehicles.
Most states allow BYOB (passengers bring their own alcohol) on party buses without requiring a liquor license. However, carrying a liquor liability endorsement is strongly recommended for all party bus operators, even in BYOB states. This adds a layer of protection for alcohol-related incidents. Get a quote from Bridgeway that includes liquor liability coverage.
