Be A Responsible Host When Serving Alcohol.
Whether you are hosting a Super Bowl party or celebrating a birthday with friends in your home, if you are planning to serve alcohol at any type of event it is important to take steps to limit your liquor liability and make sure you have the proper insurance.
Social host liability, the legal term for the criminal and civil responsibility of a person who furnishes liquor to a guest, can have a serious impact on party throwers. “Dram Shop Liability” laws vary widely from state to state, but 43 states (including RI) have them on the books. While a host is not liable for injuries sustained by a drunken guest (as they are also negligent), the host can be held liable for third parties, and may be liable for their guest’s passengers. Before planning a party in your home, understand your homeowners coverage and any exclusions, conditions or limitations your policy has for this kind of risk. Homeowners insurance usually provides some liquor liability coverage, but it may not be enough.
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Some Content: iii.org | Graphic: WindlassCreative.com
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Category: February, Homeowners' Insurance, Liability Insurance, SafetyTags: D.F. Dwyer Insurance, Dram Shop Liability, Homeowners' Insurance, house party, insurance policy review, New England Patriots, preparation, protecting party guests, Social hosting liability, Super Bowl party, Super Bowl Sunday
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