Holiday Parties: Make Sure You’re Covered

If you’re planning a big holiday bash, you might want to consider social host liability coverage before the event.

Sobering Statistics

According to research conducted by the Department of Transportation, 50% of holiday traffic fatalities involve alcohol. Even worse, more than 30 states have laws that hold a host responsible should a guest leave and get into an accident.

Social Host Laws

Unfortunately, being a gracious host may mean more than what meets the eye. According to social host laws, anyone that serves alcohol may be the subject of a lawsuit should a guest be involved in a car accident.

Contrary to popular opinion, a host or hostess can be held legally liable for an accident after providing alcohol whether they own the home or rent it.

Following are some key tips to keep in mind when planning your next holiday party:

Don’t Allow Guests to Drive Drunk: Provide alternative forms of transportation and assign a safe driver for those that may over-indulge.

Never Serve Minors: Underage drinking is against the law and puts the host at increased risk since all illegal activity is automatically voided under insurance restrictions.

Evaluate Insurance Coverage: For those that own their home, it is important to evaluate your policy. It may, or may not, provide sufficient protection depending upon the type of insurance coverage purchased. Renters are especially prone to risk since nearly two thirds fail to purchase basic rental protection.

Limit Libations: Stop serving anyone who shows signs of intoxication and make other arrangements for their transportation.

Consider Purchasing Additional Insurance: When in doubt, seek professional advice or consider purchasing an additional liability policy such as umbrella insurance.

Explore Other Options: It might be a better idea to celebrate at a local restaurant or lease a venue. Not only does it shift the risk, but it’s a great way for the host to have fun as well.