• The Perils of Hosting a Party – What You Need to Know

    Who is Liable When Guests Drive Drunk, Get Food-Poisoning or Burn Down the House?

    As millions of Americans host and attend parties this summer across the street or across the country, many are unaware of the risks they may be taking or of their own responsibilities to ensure their guests don’t hit the road drunk, according to a national survey on homeowner’s insurance issues by Trusted Choice® and the Independent Insurance Agents & Brokers of America, of which this agency is a member. For the survey, homeowners were asked if they believed they were legally liable if a guest caused an alcohol‐related traffic accident after leaving a party at the respondent’s home.

    The Trusted Choice® survey found that almost 46% of homeowners thought they weren’t liable in the event that a guest became seriously ill from catered food consumed at the host’s home, and about 22% didn’t think they could be held responsible if a guest was injured on the sidewalk in front of their property. More than one‐third of homeowners either didn’t think they could be held responsible or admitted they didn’t know if they destroyed another home with a careless act.  The bottom line is that homeowners could, in fact, be held responsible in any of these scenarios or accidental incidents.

    Consider the following tips to prevent party accidents and protect yourself:

    • Limit your guest list to those you know.
    • Host your party at a restaurant or bar that has a liquor license, rather in a home or office.
    • Provide filling food for guests and alternative non‐alcoholic beverages.
    • Schedule entertainment or activities that do not involve alcohol. If the party centers around drinking, guests will likely drink more.
    • Arrange transportation or overnight accommodations for those who cannot or should not drive home.
    • Stop serving alcohol at least one hour before the party is scheduled to end.
    • Do not serve guests who are visibly intoxicated.

    Depending on your situation you may need additional coverage through the purchase an inexpensive Personal Umbrella policy. If you would like to discuss this with us please all to make an appointment.

Comments are closed.