With the festive and sometimes hectic holiday season upon us, it is easy to forget the serious responsibility involved with hosting a party. According to a recent survey conducted by Trusted Choice of Independent Insurance Agents and Brokers of America (IIABA), homeowners and party hosts are not always aware of their responsibilities when inviting people to their homes and serving food and drinks. Robert A Rusbuldt, IIABA president and chief executive officer, said that “Hosts should be aware that if someone drives drunk or becomes sick after consuming food at a holiday party, the host could actually be liable.” Homeowners should be conscious that if a guest or third party is injured in an accident that is related to alcohol consumption and the drinking can be linked to the host, the host could then be held liable. Most people understand the liability that comes with serving alcohol, however, a casserole or dessert can bring just as many risks as an alcoholic drink. The survey found that nearly three-fourths of homeowners and hosts served food in their home that was prepared by someone other than themselves. It should be noted that it doesn’t matter if the food came from your kitchen, the local caterer or pizza, your next door neighbor or friend, if served in your home, you are liable if anyone gets sick.
It is therefore very important for homeowners and hosts to carefully look over the liability portion of their homeowners insurance policy or renters insurance policy to be certain you have coverage such as host liquor liability if sued and found liable for an accident involving a guest who drank or gets sick after consuming food at your home. Pay attention to your liability coverage limits. You may also want to consider purchasing a personal “umbrella” liability policy.
Trusted Choice is the marketing brand for IIABA. Trusted Choice agencies are insurance and financial services firms whose access to multiple companies and commitment to quality service enable competitive pricing and a broad choice of products.