When it comes to hosting a holiday party, there’s more to do than just cleaning your living room and making the appetizers. You’ll also want to make sure you know your insurance limits. Here’s what you need to know about what social host liability is and what it means for your holiday party.
Social host liability laws enable a party host who provides alcohol or other substances to be considered liable in the event that an intoxicated person causes an injury. If, for example, someone leaves your party, drives drunk, and gets into a car accident, you could potentially be sued for damages. Social host liability laws vary by state, and they are currently on the books for over 40 states in the US.
If you’re throwing a holiday party where alcohol will be served, it’s important that you make sure your Homeowners or Renters insurance policy has sufficient limits of liability to protect your family’s assets. In fact, some policies have liquor liability coverage, which tends to range from 100,000 to 300,000 dollars. Unfortunately, that isn’t always enough. If you frequently throw parties or if you have significant assets, it may be smart to consider adding Umbrella insurance, which increases your available coverage.
Now that you know what social host liability is and what coverage you need, you can protect yourself and your guests with these tips for hosting a safe holiday party.
Now that you understand social host liability, it's time to make sure you're covered? Contact your independent agent to learn more about your insurance coverage and limits. In the meantime, check out our insurance blog where we cover everything from woodstove and fireplace safety tips to how to winterize your home and car.
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