Hosting a holiday party at your home or office is a great way to unwind and celebrate the season’s festivities with friends, family and coworkers. Although each guest should know his or her own limits, as a host, you could be found liable for property damage or personal injury relating to the alcohol consumption at your holiday party.
If you are held accountable for the actions of an inebriated party guest, you could find yourself responsible for more than just holiday bills: medical bills, vehicle repair costs, lost time from work, and wrongful death.
If you are hosting a holiday party at your house, apartment, or condo, ensure that the liability portion of your policy provides adequate coverage in the event you are sued or found liable for the actions of a guest who drank too much on your property. Keep in mind that purchasing a personal umbrella policy can provide you with additional liability protection that goes above the limits of your primary policy.
If you are hosting an office holiday gathering, review the comprehensive general liability (CGL) portion of your business owners policy with your independent agent. Make sure this section provides coverage for third party liquor liability. .
To avoid a liquor liability claim against you or your business this holiday season, follow these party hosting tips:
- Limit the guest list to only the people you know. Avoid inviting guests who have a tendency to go over their personal limits.
- Be sure to serve nonalcoholic drinks and plenty of food to help absorb any alcohol consumed.
- Plan activities that don’t involve drinking.
- Stop serving alcohol before the party ends, and don’t continue to serve guests who appear intoxicated.
- Arrange for transportation or overnight accommodations for guests who are unable to get home safely.
*This article is written for informational purposes only and should not be construed as providing legal advice.