While gathering at your home surrounded by all of your friends and family to celebrate the arrival of the holiday season sounds lovely, homeowners liability could leave unpleasant consequences if you do not plan accordingly. There are a variety of liability risks you are faced with when you host a holiday party at your home and these possible problems must be considered beforehand. Before you break out the invitations, allow these informational points to guide your decision.
If there will be alcohol consumption at the festivities, your liability risks will significantly be heightened. Therefore, hiring a professional bartender is a great consideration that can help in reducing the chances of an accident occurring. You can request that anyone who has a drink must forfeit their keys to ensure that nobody leaves your party in their own car. Likewise, calling your local taxi service in advance can help reduce anxieties of your partygoers since they will already have a safe ride home.
It is important that you make sure to offer nonalcoholic beverages and food options at your holiday party, especially if you will be serving alcohol. This will ensure that nobody gets too intoxicated and causes a scene, or a disaster that results in a liability claim.
If you are worried about what your intoxicated guests are capable of, you may benefit from increasing the liability limits of your homeowners’ insurance policy or obtaining an umbrella insurance policy.
Serving Carrollton, Coppell, and all of Texas, contact Mike Leonard Insurance Agency for all of your homeowners’ insurance needs. We want your holiday parties to be nothing short of amazing, which is why we find it extremely important that you update your policy to account for every guest!