[SllX]

Even if it’s not illegal in that State, it’s also possible that the insurer deemed it to be a higher risk and would have just charged a higher premium.

If the bar owner didn’t want to pay that higher premium but did want to run a happy hour at his bar, and told the insurance company that he didn’t have happy hours at his bar, then well, he lied to the insurance company. They could have found out another way, by sending a mook down the way, but this saved labor and expense claims, and maybe even on their own insurance bills if something happened to the mook in the bar during the happy hour.

By the way, just pointing out another hypothetical here; we don’t have sufficient information to be making judgement calls on that specific situation.