With the Super Bowl XLVIII just a week away, many of us will be starting to piece together plans for Sunday February 2nd. With excitement we begin to make arrangements with family and friends for the big day. Most of us have attended a Super Bowl party or two in our day. Some small, and some that may take you back to your college years.
If you plan to host a Super Bowl party this year, you will want to make sure that amidst all the touchdowns, field goals and nail-biting plays you are conscious of your responsibilities.
Event Liability Insurance
Firstly, make sure you are covered if any damages happen to your home or rented space. It is easy to assume that you are covered under your homeowner’s policy, but it’s always best to be sure by calling your provider beforehand. Some insurance companies will be happy with a notification, others may ask that you take out event liability insurance. There are many deciding factors. You don’t want to be paying out of pocket for something you assumed you were covered for at the time.
Liquor Liability
This is a branch of insurance that is quite often overlooked, and frankly something people aren’t always aware of. If you’re not in the business of manufacturing, distributing, selling, serving or furnishing alcoholic beverages, the policy may protect you in case someone claims you are legally liable for a liquor-related accident.
Picture this scenario: you have arranged a party for Super Bowl Sunday. They’re all trustworthy friends, and you’re confident that no one will cause any damage. After a long day of food, football and drinking it begins to die down, you notice that your buddy Johnny is nowhere to be seen. You check the driveway and notice Johnny’s car has gone. After getting in a motor vehicle accident and causing harm to another party, Johnny’s exit is about to cost you. Johnny’s insurance only covers up to $100,000. Where do you think the rest of the money is coming from? Yes, quite possibly you!
These scenarios happen all too often, yet we never think it will happen to us. Without insurance, once the law and the injured party become aware that Johnny consumed alcohol on your property, you may be considered liable.
Questions regarding scenarios such as this are perfectly normal. If you are looking to host or arrange a party at a rented location in the future, please do not hesitate to contact any of our agents here at TJ Woods. We would be more than happy to provide you with liquor liability insurance for your event.
