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Council votes to lower Crossroads Pavilion liquor-liability coverage from $7M to $5M
Summary
After staff presented premium estimates at several coverage levels and the pavilion manager described service practices, the council voted to reduce the city's liquor-liability coverage for the Crossroads Pavilion from $7,000,000 to $5,000,000, saving about $3,700 in annual premium cost compared with the $7M level.
Council considered whether to reduce the Crossroads Pavilion liquor-liability insurance limit and reviewed premium estimates provided by staff and the city's agent: $13,987 annually at $3,000,000; $17,240 at $4,000,000; $19,536 at $5,000,000; and $23,255 at $7,000,000 (the city's current limit). Staff noted claims are rare but cautioned there is risk to lowering coverage.
Pavilion manager (speaker 8) described operational safeguards — a six-hour serving window, IPAC training for bartenders, and practices such as cutting off patrons and stopping service after 11 p.m. After discussion about risk tolerance and potential savings, a council member moved to reduce coverage from $7M to $5M; the motion was seconded and passed by roll call. Council asked staff to revisit longer-term insurance strategy in the future.
