Reliable coverage and dependable service
If your holiday party includes alcohol, make sure liquor liability is part
of your plans.
In the midst of the festive and hectic holiday atmosphere, it is 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 if 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. If you plan to host a holiday
party this year, take the time to review your homeowners, renter's or comprehensive
general liability (CGL) insurance policy to ensure that you have adequate
liability coverage if sued and found liable for the actions of a guest who
drank at your home or business.
While all holiday partygoers and hosts alike should be responsible and know
their limits, consumers need to acknowledge that most risks cannot be eliminated
entirely. But planning ahead and learning about what's involved in hosting
a reception is the best defense.
How to protect yourself and your guests:
If you plan on serving alcohol at a holiday party, following are some
tips to promote safe alcohol consumption and reduce your social host liability
- Limit guest list to those you know.
- Offer non-alcoholic beverages and always serve food. Eating and drinking
plenty of water, or other non-alcoholic beverages, can help counter the
effects of alcohol.
- Consider venues other than your home or office for the party. Hosting
your party at a restaurant or bar with a liquor license, rather than at
your home, will help minimize liquor liability risks.
- Hire a professional bartender. Most bartenders are trained to recognize
signs of intoxication and are better able to limit consumption by partygoers.
- 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.
- Be a responsible host/hostess. Limit your own alcohol intake so that you
will be better able to judge your guests' sobriety.
Liability Coverage Tips:
- If hosting a holiday party, individuals should look to the liability portion
of their homeowners insurance or renters insurance policy to provide them
protection if they are sued and found liable for an accident involving a
guest who drank at their home.
- Employers need to make sure that their comprehensive general liability
(CGL) policy provides them coverage for third-party liquor liability policy
before hosting that holiday office party.
- Charging employees for alcoholic beverages in the home or office may not
always be the best solution for business parties. It is important for businesses
to remember that once they charge a fee for alcohol, they have technically
entered the alcohol sales business, even if only for one night. That carries
with it requirements for a liquor license and an array of special liability
protection needs. It by no means lets these employers off the hook."
- Purchasing a personal "umbrella" liability policy-that can provide $1
million or more in additional coverage over the limit offered by a standard
homeowners or renters policy-may be a prudent move for the frequent party
host. This type of coverage can cost as little as $125 a year.
Our focus is on:
- Accessing your insurance requirements
- Matching your needs with the right kind of coverage
- Providing the highest level of coverage for the lowest cost