Depending upon the venue of your meeting and their requirements, you may be asked to provide liability insurance. For lunch meetings, this is unlikely. However, when you begin to undertake larger events – all day meetings with over 100 to 200 attendees and/or host meetings where liquor is served as part of the event, this may become requirement of your meeting site/hotel. The insurance that HQ and Western District have is not transferable to sections – based upon industry standards (ie. your home insurance would not cover a relatives house in another town). Liability insurance can cost around $500 per year for the type that Western District carries (from The Hartford).