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How to Protect Yourself and Your Guests When you Host a Holiday Party

Parties are a wonderful way to celebrate the holidays.  If you are going to host a party this season, there are steps you can take to protect yourself and your guests.

1.   You may be held liable if intoxicated guests leave your party and cause injury or property damage so take steps to keep them and the public safe.

  • Encourage guests to pick a designated driver.
  • Stock plenty of non-alcoholic beverages and serve food.
  • Don’t pressure guests to drink.
  • Cut off guests who have had too much to drink.
  • Call a cab for intoxicated guests. If you are sober, drive them home or offer them a place to sleep at your house.
  • Never allow minors to drink.
  • Stay in control by not drinking too much yourself.

2.  Protect your guests from unsafe conditions on your property.

  • Fix tripping hazards like broken stairs or loose handrails. Double-stick tape throw rugs and secure extension cords.
  • Remove any dangerous items that might injure children.
  • In colder climates, clear sidewalks and steps of ice and snow.
  • If you have a pool, keep gates locked or make sure kids are supervised by an adult if they use the pool.
  • Consider restraining pets.

3. Review your homeowner’s insurance before the party.

  • Make sure it is in force and that your policy limits are high enough to cover an injury. Standard minimums of $100,000 to $300,000 may not be enough to cover all the costs associated with a serious injury.
  • If you have significant assets in addition to your home, consider an umbrella policy for added liability protection.
  • Check for exclusions and contact your agent if you have any questions.

You can read more tips and find useful links on how to host a safe party at http://letamericaknow.com/view_newsletter_ysk.php?memberid=22515&orderid=872&newsletterid=294&issueid=1511&subscriberid=749173

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