Why you need to think about social host liability and homeowners insurance before your holiday party.
‘Tis the season! Holiday parties are kicking off, and you know they’ll be in full swing until the start of 2016.
All that party going might have you itching to host a festivity of your own. Before you do, though, you need to consider your social host liability and your homeowners insurance.
We know it’s probably not the most fun part of your party planning, but considering your liability as a social host now can save you from serious headache and expense down the road.
Social host liability is what we call your responsibility to make sure the guests to whom you serve alcohol don’t get into trouble. It’s not just a nice thought; social host liability is actually a legal term and you can be held criminally or civilly responsible for violating it! While you won’t be held liable if you guests injure themselves, you could be on the hook if they injure others or damage their property.
The good news is that your homeowners insurance liability coverage could pick up the tab for you, provided you have sufficient coverage. Meet with your agent to discuss the liquor liability coverage you already have, and if it will be enough to protect you based on the type of holiday party you’re planning to throw.
Further protect yourself by serving plenty of water and snacks, having rideshare or cab services lined up, and keeping a close eye on any guests who seem like they might be drinking too heavily.
Since you’ll have a lot to do to plan your party, contact Nahai Insurance Services. We can help you brush up your homeowners insurance so it’s up to the task of keeping your season festive and frustration-free. We’re committed to making your policy review as quick and easy possible so you have more room on your plate for other things – like holiday cookies!
