December 1, 2017
Holiday parties will abound this season. From large corporate parties at formal locations to a rowdy get-together of old friends to small gatherings of family, neighbors and friends, most of us will attend a fun one this year.
But if your hosting the party, you've got more on your mind than just what to wear and what to bring for the host or hostess. Cleaning the house, planning the menu, stock the bar - it's a lot to do! Most of us aren't going to be thinking about an insurance risk.
If you're serving alcohol to your guests, you should consider a few things to ensure your guests' safety, and limit your liquor liability and ensure you have the proper type of insurance coverage.
"Social host liability" is the legal term for the criminal and civil responsibility of someone who furnishes liquor to a guest. You may know it by "Dram Shop Liability" as well. Laws differ state-to-state, but 43 states have them. These laws give someone who is injured (like a victim of a drunk driver who was served at your party) the right to sue you. You could even face criminal charges in such a scenario.
If you're planning on hosting a party this season (or any time of the year) where you'll be serving alcohol, let us know so that we can review your insurance policy and discuss any changes to your policy that you might want to consider.
In addition to talking to us about your insurance coverage, here are some other things to consider in planning your party:
Above all, be an aware and responsible host. Your party will be a great success, with or without the alcohol, as you will all be in great company, celebrating a wonderful time of year!
If you're attending holiday parties this year, we ask that you drive safely and wear your seatbelt!
Each year the Insurance Institute of Highway Safety names its top safety picks. See if your vehicle made the list for 2018. More »
Cell phone coverage is often the first utility to be restored after a weather emergency. What was once a luxury form of communication is now often back in service before power & landlines. More »
We all love our furry four-legged best friends, but they may not always behave like we’d expect, especially around strangers or children. More »
Trusted companies like
Information you need, when and where you need it most. More »