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