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It’s the best holiday for football lovers when the Super Bowl comes around. It’s a day that is dedicated to their favorite game and everyone knows that it’s happening. There are parties and fun all throughout the day just in preparation to see what team will take home the trophy and be crowned the victors. To prep for such a day, we want to get you prepared for any interceptions that may come your way.


Who is liable if someone at your party gets food poisoning or drives home drunk?


When hosting a party, you should look to the liability portion of your homeowner’s or renter’s insurance policy to protect you if you are sued and found liable for an accident involving a guest who consumed alcohol or gets sick after consuming food at your home. Talk with your agent about possible exclusions, and make sure you regularly review your liability coverage limits to ensure they are adequately covered, should an accident or illness occur.


Consider an umbrella policy. While party guests and hosts alike should act responsibly and know their limits, consumers need to acknowledge that most risks cannot be entirely eliminated. But, planning ahead and learning about what’s involved in hosting is the best defense. Purchasing a personal umbrella liability policy may be a prudent move for the frequent party host.


-If the party centers around drinking, schedule entertainment or activities that do not involve alcohol.

-Make sure that you check food and don’t put anything out that you suspect may be undercooked, spoiled, or contaminated.

-Stop serving alcohol in the 4th quarter

-Encourage guests to stay a while after the game

-Make sure your outdoor walkways and steps are clear

-Do not serve guests who are visible intoxicated

If you need to check your homeowner’s policy, contact us today. Or if you think you want to switch to a company that we trust and recommend, fill out a quote online or contact us as well.


For all your insurance needs, contact Tom Wallace at tomwallaceagency@gmail.com or Brian Bates at Bbates504@gmail.com.
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