A national survey of homeowners insurance questions and Trusted Choice independent insurance agents and brokers of America (IIABA) revealed that almost a third of the owners do not believe or did not know if they could be held responsible for accidents related to alcohol. In addition, over 46% of respondents thought they were not responsible if a customer has become seriously ill of the catering food consumed at home and host more than 22% do not think that they could be held responsible if a guest is injured on the sidewalk in front of their property. In fact, these are all situations in which an owner could be responsible.
A spokesman IIABA suggests that owners regularly review their liability coverage limits with their independent agent to ensure adequate coverage, and that frequent party hosts learn about a political umbrella providing $ 1 million or more in additional coverage. IIABC also suggest the party following the tips for owners and hosting company owners:
- Limit your guest list to those you know
- Organize your party in a restaurant or a bar that has a liquor license instead. in a home or office.
- Provide filling food for guests and non-alcoholic beverages alternatives.
- entertainment schedule or activities that do not involve alcohol. If festival centers around drinking, customers are likely to drink more.
- Arrange transportation or overnight accommodation for those who can not or should not drive home.
- Stop serving alcohol at least one hour before the party is scheduled to end.
- does not serve customers who are visibly intoxicated.
- Consider hiring a police officer out of service to discreetly monitor sobriety clients or handle any problems related to alcohol that guests leave.
- Stay alert, always remembering your responsibilities as host.
- Check your insurance policy with your trusted choice agent before the event to ensure that you have adequate liability coverage.
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