Summer is all about celebrations – Fourth of July festivities, BBQs, graduation parties, and large get-togethers are just around the corner. What you may not know, however, are the risks and responsibilities you are subject to if you host a party in your home and the importance of holding adequate personal liability insurance during parties at your house.
THE IMPORTANCE OF PERSONAL LIABILITY: You could be legally liable for a range of incidents when throwing a party
If you are like many homeowners, you could be legally liable for a range of incidents when throwing a party, which include:
- A guest causing an alcohol-related traffic accident after leaving your home.
- Hired help is injured on your property due to slipping and falling.
- A guest becoming injured on the sidewalk in front of your property.
- Guests suffering from food poisoning due to catered food.
If you already own sufficient personal liability insurance, another good practice is to make sure your policy is up to date and includes any additions to your home such as a pool.
Finally, something else to consider is how often you thrown parties and how big they are. If you often host very large parties, it may be worth it to look into purchasing a separate event insurance policy with host liquor coverage built in
For more advice about Homeowners’ Liability coverage, contact us today. We can help you make the right decision to make sure your summer times are good ones!