Many event-associated risks may be mitigated before anything occurs. Below is a list of some potential problems to bear in mind while planning your next event.

Injuries

Injuries happen more often when a crowd of guests is packed into a small place and when alcoholic beverages are involved. The majority of regular home insurance policies are available with medical payments coverage that pays for injuries irrespective of fault, and liability coverage that pays for legal fees and injuries and legal fees once you’re discovered at fault for someone’s injuries. If you’re hosting a party, speak with an insurance agent about any coverage limits. You might need to increase them or invest in an umbrella policy for extra protection.

Underage drinking

Even if alcohol is monitored carefully at a party, underage kids may attempt to sneak a drink, which opens the host to a risk of being held liable. Speak with all guests at your event to make sure everyone knows not to serve alcoholic beverages to any underage visitors. Also, you will need to ensure all open containers are kept in spaces that are not easily accessible to minors. You might face significant fines and possible criminal charges for serving alcoholic beverages to children at a private event in your home.

Driving and drinking

Because of social host liability laws, the host might be held liable for those drinking at the event and then drive. As the host, you have a duty to make sure all guests are sober and safe to travel home. Collecting the keys of the ones who plan to drink may assist you in controlling when and how people leave a party. In addition, you might make sure that every group of guests issues a designated driver who stays away from drinking liquor during your party.

Property damage

Having several guests in a private residence may lead to property damage, broken personal possessions, and theft. Your home’s insurance policy may pay for those damages if they’re over the deductible, assuming that all damage was caused by a covered event. Knowing the insurance perils your insurance policy covers may be a great step to take before you host a party.

To find out more details about our homeowner’s insurance please contact a friendly representative with Steely & Smith Insurance today!