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Sentry Select Insurance Co. v. Ruiz

Court: WD Tx  06/20/2018  Commercial Garage Liability Policy's Host Liquor Liability Endorsement Extended Liquor Coverage for Informal "Functions"

Alcohol provided to employees by car dealership during an informal gathering constituted a "function" under commercial garage liability policy's "Host Liquor Liability" endorsement, thus giving rise to insurer's duty to defend the dealership after employee of dealership struck an off-duty employee on dealership's premises after consuming alcohol, and coverage was not excluded by Employer's Liability exclusion because it did not apply to injuries to off-duty employee, but ruling on duty to indemnify the dealership was premature before the underlying lawsuit is resolved.

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