The halls are decked, the nog is eggy and revelers are ready to party. But as the holiday celebrations continue, it's important to be aware of the responsibilities and potential liabilities hosts can face.
There are a variety of situations or accidents that can occur that could put a serious damper on your party. What if someone slips and falls, requires medical attention, or has too much to drink, then drives, and causes an accident? These situations are unpleasant to think about when planning a party, but homeowners and business owners should always make sure they are prepared for worst case scenarios.
Most homeowners and Business Owner's Policies cover bodily injury, property damage, and will provide for legal defense should a homeowner or business owner get sued in civil court as a result of an occurrence that is covered by the policy. However, hosts should check their policy with one of our brokers to see if additional coverage is needed. Umbrella policies – also called Liability Umbrella Policies – offer an additional level of protection beyond the limits of a homeowner policy, business owner policy or a host liability insurance.
Tips For Party-Planning
- Warn guests to pay attention to any hazards on the property that they should avoid or take them by surprise - such as steep steps or a hole in the ground
- Keep sidewalks, walkways and steps free of ice and snow
- Ensure there is adequate outdoor lighting during times when guests will be arriving and leaving
- Take special care of items on the property that may attract children, like a swing set or tree house, and reinforce to guests that their children must be accompanied by an adult at all times
- Be prepared to have guests spend the night, appoint designated drivers, or have a local taxi service phone number easily available
Heritage Insurance wishes everyone a Happy Holidays. As a reminder, have fun, but drink responsibly! And if you have any insurance needs or concerns during this time, be sure to let us know. We're here to help!