Insurance: Policies and Procedures

The following is a brief description of some of the University's Insurance Policies and Claims Procedures. These sections are intended to serve as a reference guide in providing information on insurance policies and procedures and to answer some essential questions regarding the University's insurance policies.

It is important that you contact the Insurance Department if you have specific questions regarding these policies, procedures and claims reporting.

Alcohol/Liquor Liability

Policy Description:
The Liquor Liability Policy is a commercial policy which provides coverage for the University and its employees, students and/or volunteers for claims for bodily injury or property damage arising out of the dispensing, selling or serving of any alcoholic beverage from one of the named insured premises.

Any University location selling liquor must be listed on this policy in order to be insured and also must have the appropriate liquor license with a copy on file in the Office of the General Counsel (OGC).

The current named insured premises on this policy that sell, serve or dispense liquor are:

1. Faculty Club, 20 Quincy Street
2. Faculty Club & Pubs, Harvard Business School
3. Cafeteria, School of Public Health
4. Harkness Common, Harvard Law School
5. American Repertory Theatre, Loeb Drama Center
6. Harvard Crimson Catering (Harvard buildings)

Department Procedure:
The named locations must submit estimated and annual receipts of liquor sales. The Insurance Office will contact each location to obtain this information. If your department sells any alcoholic beverages and your location is not one of the named locations then you must contact the Insurance Office immediately.

Claims Procedures:
Notify the Insurance Office immediately of any incident pertaining to the serving/selling of alcoholic beverages. It is important for us to have the opportunity to investigate a potential claim as soon as possible. Please contact the Manager of Claims & Loss Prevention at 617-496-8830.