The Liability Risks of Hosting a Holiday Party
It’s that time of year again; time to join millions of other Americans in hosting a holiday party. As you prepare for the festivities, you will need to keep many factors in mind, including costs, logistics, etc. Most importantly though, you need to ask yourself practical questions, such as “Who is held liable if a guest gets food poisoning?” or “What happens if a guest drives home drunk?” Whether you are a Orlando Homeowner throwing a party or a Olrando business owner hosting an office event, you need to understand your responsibilities and the liability risks of hosting a holiday party. Here are a few factors to keep in mind.
Watch what you eat and feed others. Even if the food was prepared outside your home or business by a caterer, another guest, a local deli, etc. YOU may still be held liable if someone becomes ill from consuming it on your property.
Limit the alcohol. If a party centers on drinking, guests are likely to drink more. You should try to schedule entertainment or activities that don’t involve alcohol. It’s also a good idea to know who the designated drivers are ahead of time.
Party elsewhere. Rather than hosting the party in your home or office building, consider having it at a restaurant or bar that has a liquor license. This way you are decreasing your own liability.
Do your homework. Know what insurance coverages you have as a homeowner, renter, or business owner. Insured individuals and businesses should regularly review their liability coverage limits to ensure that they are adequately covered should an accident or illness occur.
Consider an Umbrella policy. While holiday partygoers and hosts alike should act responsibly and know their limits, consumers need to acknowledge that most risks can’t be entirely eliminated. However, planning ahead and learning about what’s involved in hosting an event is the best defense. Purchasing an Orlando Umbrella Liability policy may be a practical move for the frequent party or event host.
Whether you are looking for Personal or Commercial Insurance in Orlando, at Newman Crane, we’re the experts in Business, Home, Auto, and Life Insurance. Our mission is to help our clients throughout the Orlando and Central Florida communities protect their assets against unforeseen damages and injuries. As independent agents, we seek out the best plans from dozens of top insurers to find you the most comprehensive coverage at an affordable rate. Please contact us today for more information at (407) 859- 3691.