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Talk:Board Policy on Alcohol (view source)
Revision as of 15:25, 27 April 2015
, 15:25, 27 April 2015no edit summary
I wasn't around when someone purchased the insurance policy for the space, but my guess is that the alcohol rider is a standard type of rider available for coverage and that the 2am-9am is a standard time block. After thinking this over for a while and bouncing ideas off of Carl, I think the board shouldn't have voted this as a policy and should have just informed the membership that they are not allowed to drink between 2am and 9am. As a board, we voted not to extend coverage because of how expensive it is to do so. The membership could bring up their own vote to extend coverage. Personally, I thought it was too damn expensive, so if a vote comes up, as a member, I'll vote no. --[[User:Skm|Skm]] ([[User talk:Skm|talk]]) 09:37, 27 April 2015 (CDT)
I wasn't around when someone purchased the insurance policy for the space, but my guess is that the alcohol rider is a standard type of rider available for coverage and that the 2am-9am is a standard time block. After thinking this over for a while and bouncing ideas off of Carl, I think the board shouldn't have voted this as a policy and should have just informed the membership that they are not allowed to drink between 2am and 9am. As a board, we voted not to extend coverage because of how expensive it is to do so. The membership could bring up their own vote to extend coverage. Personally, I thought it was too damn expensive, so if a vote comes up, as a member, I'll vote no. --[[User:Skm|Skm]] ([[User talk:Skm|talk]]) 09:37, 27 April 2015 (CDT)
Insurance is based around the law of large numbers. Yes there are some people working late shifts who could consume alcohol at 2 AM without issue, who would have a problem consuming alcohol at 2 PM. But there are few enough people like that to affect the odds.
Insurers have found that how late people are drinking correlates strongly to the chance that someone will have an accident (drive home drunk, walk out into traffic while drunk, etc.) resulting in a claim. They set their rates accordingly.
The Board discovered that a prior Board purchased alcohol liability coverage with an application that stated we stop serving at 2 AM. That clearly wasn't true, and if an accident involving alcohol consumption after 2 AM occurred, our policy could have been cancelled because of this.
We discovered that a prior Board purchased alcohol liability coverage