ISO Revises ‘Bring Your Own Alcohol’ Establishment Exclusion

February 27, 2013

  • February 27, 2013 at 3:22 pm
    ExciteBiker says:
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    “It’s your fault that I brought this booze from home, drank too much of it, and then did something which caused injury/damage…” hmm

  • February 27, 2013 at 3:43 pm
    InsGuy says:
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    Or, more likely…”you shouldn’t have continued to provide me the the glass & the 7-up to mix with my Seagrams when you knew I was inebriated. show me the money!”

  • February 27, 2013 at 4:20 pm
    Huh! says:
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    No matter which way you look it at, our society definitely does not want to take any responsibility for its own actions. I’m surprised that there are still enough people in the labor force to support our hand-out populace.

  • February 27, 2013 at 5:47 pm
    rick says:
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    It all comes down to the insurance lotto menatlity

  • March 6, 2013 at 10:44 am
    Mark J. McPherson says:
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    You can look at dram shop liability in terms of personal accountability, or you can take a broader look at the societal costs from alcohol consumption and which parties are deriving an economic benefit from the sale of alcohol. Of course, in the BYO context, the business owner is only gaining a tangential benefit from alcohol consumption. Accountability is a fine concept, but the science regarding the tendency of alcohol, even when taken in moderate levels, to demonstrably impair judgment, is a complicating factor.

    From an insurance aspect, most dram shop liability turns on the conduct of the insured in continuing to serve a visibly intoxicated patron, and the law varies on the duty to monitor. BYO is self-serve, for the most part, so the exposure must be much less severe.



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