Liability when hosting a party

Thu, 10 Sep 2009 15:37:29 +0000

Did you know that you can be liable for any household guest getting injured in a different location other than your house if they have been drinking alcohol initially from your house? This will also hold true if your intoxicated guest does injury to anyone else. Law enforcement and claims adjusters can trace back the original, or “proximate” cause of injury to where the individual got intoxicated in the first place. You can be held responsible for medical bills, vehicle repairs, lost time from work and in some cases, wrongful death.

Make sure you review with your insurance agent, your coverages pertaining to Comprehensive General Liability. If you are an employer you need to make sure you have third pary Liquor Liability coverage.

A one time special event coverage is available if you are having a party at your office or home and serving alcohol there.

Here are some ways to make sure your party or special event is safe while reducing the chance of an accident or liability:

Arrange for transportation of anyone so intoxicated that they cannot drive safely.
Stop serving alcohol at least one hour before the event ends
As the host of your event, make sure you stay sober. It is your responsibility
Limit the guest list to only those you know

Most of all, use common sense when hosting a party. We want all of you to enjoy the festivity!

For more information or to secure a no obligation quote, call Doug at 480-443-1952

Umbrella Insurance Coverage

Sun, 30 Aug 2009 03:25:04 +0000

Do you know if you are adequately covered for liability insurance if you have a small business? If you are not sure, visit your local insurance agent and ask about umbrella coverage. We put together a video here to show you what an umbrella policy can do for you.

Douglas Seide Insurance, Inc. » umbrella insurance coverage

Liability when hosting a party

Umbrella Insurance Coverage