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Howard Lake will change dramshop insurance provider in 2014
Oct. 21, 2013

By Tara Mathews
Staff Writer

HOWARD LAKE, MN – Howard Lake City Council, during Tuesday’s meeting, made the decision to acquire dramshop insurance through Wells Fargo for 2014.

Previously, the insurance was purchased through the League of Minnesota Cities, with a total annual premium of $11,397, according to City Administrator Nick Haggenmiller.

The yearly premium for dramshop insurance for the city of Howard Lake through Wells Fargo has been quoted at $6,888, Haggenmiller said.

The change will save the city $4,509, Councilman Mike Mitchell said.

Dramshop is the legal term for any type of drinking establishment where liquor is sold for consumption on the premises, such as a bar, a saloon, or, in some cases, a restaurant. Under dramshop acts, the seller of liquor can be sued by an individual who is injured by an intoxicated person.

Dramshop insurance is liquor liability insurance, which covers the way staff serves and sells alcohol.

Insurance for Howard Lake, MN
Flagship Insurance Services. Providing exceptional insurance services for Howard Lake and surrounding Minnesota communities.

Odds and ends

In other business, the city council:

• was presented with Howard Lake-Waverly-Winsted High School updates from Abby Weninger, the HLWW student representative. HLWW High School received MMR’s (Multiple Measurement Rating), which show that the high school ranked in Minnesota’s top 10 percent for test scores.

• heard a liquor store report from manager Myra Laway. For September 2013, the liquor store showed a net profit of about $5,481. Year-to-date, the liquor store has a net loss of about $6,638.

• approved a motion to change the next city council meeting date, due to a conflict with the scheduled referendum vote Nov. 5. The next city council meeting will be Monday, Nov. 4 at 7 p.m.

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