In the midst of planning a summer party or wedding, it’s easy to forget the serious responsibility involved with hosting a party at your home or business. In many states, individuals and employers hosting holiday parties can be held liable in cases where a guest or third-party is injured in an accident related to alcohol consumption at your event. Hosts have been held responsible for medical bills, vehicle repair costs, lost time from work, and even wrongful death.
Call us to review your homeowner’s, renter’s or business insurance policy to ensure you have adequate liability coverage if sued due to an accident related to the party. Planning ahead and learning about what’s involved in hosting an event is the best offense.
Our recommendations when planning a party also include:
- Limit guest list to those you know.
- Provide filling food for guests and alternative non-alcoholic beverages.
- Arrange transportation or overnight accommodations for those who should not drive home.
- Stop serving alcohol well before the time the party is to end.
- Do not serve guests who are visibly intoxicated.
- Review your insurance policy with us before the event to ensure proper liability coverage.
- Consider hiring an off-duty police officer to discretely monitor guests’ sobriety or handle any alcohol-related problems as guests leave.
Remember what your grandmother always said… an ounce of prevention is worth a pound of cure!