A SUPER PARTY DOESN’T HAVE TO MEAN SUPER RISK
If you’re planning on hosting a Super Bowl party this Sunday, all of us at Bogle Agency Insurance hope you know and manage the risks of hosting such an event.
Unfortunately, individuals hosting parties can be held liable in cases where a guest or third party is injured in an accident related to alcohol consumption at your event. Hosts have been held responsible for medical bills, vehicle repair costs, lost wages from work, and even wrongful death. You could also be held liable if a guest has a slip and fall accident while on your property.
Bogle Agency Insurance recommends that those planning to host Super Bowl parties this year review their homeowners, renter’s or comprehensive general liability (CGL) insurance policy to ensure you have adequate liability coverage if sued and found liable for accidents that arise from hosting a Super Bowl party.
If you have any questions regarding your coverage, feel free to give us a call at 201-939-1076 or 1-877-453-7358. We’d be happy to review your existing policies and recommend additional coverage, if required.
At Bogle Agency Insurance, we’re members of Trusted Choice and here’s their list of tips to make sure you’re adequately covered.
LIABILITY COVERAGE TIPS:
• If hosting a Super Bowl party, individuals should look to the liability portion of their homeowners or renters insurance policy to provide them protection if they are sued and found liable for an accident involving a guest who drank at their home.
• Purchasing a personal “umbrella” liability policy—that can provide $1 million or more in additional coverage over the limit offered by a standard homeowners or renters pollicy—may be a prudent move for the frequent party host. This type of coverage can cost as little as $125 a year.
PARTY HOST SAFETY TIPS:
· Limit guest list to those you know.
· Make sure your driveway, sidewalks and your porch are clear of snow or ice for guests and delivery people.
· Ensure your home’s entry is in good condition, free of loose or broken pieces on stairwells and walkways to avoid the chance of injuries on your property.
· Make sure there is adequate outdoor lighting.
· Provide filling food for guests and alternative non-alcoholic beverages.
· Schedule activities or entertainment not involving alcohol. If the party centers on drinking, it is likely that guests will drink more.
· Arrange transportation or overnight accommodations for those who should not drive home.
· Stop serving alcohol well before the time the party is to end. For the Super Bowl, stop serving at half-time.
· Do not serve guests who are visibly intoxicated.
· Consider hiring an off-duty police officer to discretely monitor guests’ sobriety or handle any alcohol-related problems as guests leave.
· Stay alert yourself, always remembering your responsibilities as a host.
Remember, our mission at Bogle Agency Insurance is to offer you the best possible options, the most competitive price, and top-notch service for all of your New Jersey insurance needs. Thank you, and enjoy the game!
-30-