Beer Burro Insurance
For the unusual mix of live animals and alcohol service at someone else's event.
What this coverage is intended to address
- ✓Third-party bodily injury and property damage caused by the animals at an event
- ✓Injury to the burros or other animals in your care, custody, and control on site
- ✓Liquor-related exposure that may arise from alcohol served from the animal at a gathering
- ✓Claims tied to operating at weddings, festivals, and private venues you do not own
Coverage products commonly considered
Most beer burro operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- A guest is stepped on or nipped by a burro during a reception and alleges injury; the general liability portion is intended to respond in the event of a covered claim.
- A guest who was served from the burro's kegs is later involved in an incident and alleges over-service, the kind of allegation liquor liability coverage is generally intended to address.
Frequently asked questions
Why does a beer burro need liquor liability?
Because alcohol is served alongside the animal, the operation can face allegations tied to over-service the same way a bar might. Liquor liability is the coverage generally intended to respond to that exposure in the event of a covered claim. A licensed insurance professional can confirm whether a given event needs it.
Do venues ask to be named on the policy?
Wedding and festival venues frequently require being added as an additional insured before the animal can appear. Whether your policy can add a venue, and on what terms, depends on the carrier and the event, which a licensed insurance professional can arrange.
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