It had been a good year. So I wanted to treat my employees to a party -catered food, live music, even a visit from Santa. My staff thought the party wouldn't be complete without a holiday toast. We were already over budget, so I opted for a cash bar, just to cover the costs of the alcohol. After the party, one of my employees was in an accident, and I found myself in a lawsuit. But my insurance covered situations like this - or so I thought. Turns out, my coverage was compromised when my employees paid for their drinks. Well, I may not have paid for the alcohol for the party, but I'm sure paying for it now.