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515 Little Canada Road, Little Canada, MN 55117 -1600 <br />(612) 484 -2177 / FAX: (612) 484 -4538 <br />June 18, 1997 <br />TO: Mayor Fahey and Members of the City Council <br />FROM: Kathy Glanzer, Administrative Assistant <br />RE: Old Fire Hall — Alcohol Issues <br />MAYOR <br />Michael I. Fahey <br />COUNCIL <br />Beverly Scalze <br />Jim LaValle <br />Steve Morelan <br />Bob Pedersen <br />ADMINISTRATOR <br />Joel R. Hanson <br />I have contacted three insurance companies regarding the ability of property owners to <br />get a rider on their homeowners' insurance policy to cover liquor liability exposure. The <br />results are as follows: <br />American Family — This company provides an endorsement to a homeowners' <br />policy for off-site liquor liability coverage for a special event. The <br />cost is less than $25. <br />Farmers Insurance Group — This company does not provide riders for <br />homeowners for off -site liquor liability exposure. However, they <br />do underwrite special events coverage at a cost of approximately <br />$500 per day. <br />State Farm — Same as American Family. Cost would be less than $25. <br />I contacted the City of Maplewood regarding their change in policy which is effective <br />January 1, 1998 requiring that people renting their facilities use the on -sale provider <br />designated by the City. I was told that Maplewood made this change for a couple of <br />reasons. First is the wide range in the types of liquor liability coverages that homeowners <br />were providing. Maplewood staff has had difficulty in interpreting these coverages. <br />Secondly, there has been concern about who is bartending. Often times renters have <br />untrained family members bartending. This raises concerns about whether or not <br />underaged persons are being served alcohol, the bartenders ability to recognize when <br />someone has had too much to drink, etc. These issues are resolved with the designation <br />of an on -sale liquor provider. <br />Page 92 <br />