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Holiday Party Host: How to Protect Yourself from Liability


Holidays are a time of celebration. If you are planning to host a party in your home, there’s one thing besides the guest list, menu and entertainment that you need to be cognizant of.

Keep in mind that you may be held liable for any damages, injury or death caused by someone who has been drinking alcoholic beverages at your party. You may also be held accountable for car accidents occurring after your event.  


Here are some tips to review before hosting your party.

 

9 Tips for the Party Host from Insurance Professionals 

 

 

  • Review your insurance coverage. Ask your insurance specialist to go over your homeowners policy to see if it adequately covers related liquor or Dram Shop Liability.

  • Ask your guests to select a designated driver who does not drink liquor.

  • Besides liquor, serve non-alcoholic beverages and food.

  • Be a good role-model and limit your own alcoholic intake.

  • Hire a professional bartender who knows how to recognize when to limit a guest’s drinking.

  • Never pressure anyone to drink.

  • Never serve alcohol to under-age guests.

  • Remove alcoholic drinks at the final part of the event.

  • Arrange a ride home for anyone who seems intoxicated or drowsy.



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Summary: As a party host, you may be liable for an accident within your home or when guests are involved in an accident after leaving the event. Learn how to prevent related damages from the insurance experts


Discussion

Joann Thomas

Wednesday, January 2, 2019 at 3:53pm EST

Thank you so very much for this information, I will be moving in my new home in about 60 days, It is on the lake, I want to make sure I am cover and my guess would be also, Joann Thomas


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