Holiday Party Liability Insurance Coverage | Business Insurance NJ
Liability Insurance coverage for your holiday party may not be on the radar when thinking about commercial insurance coverages. In fact, insurance for your holiday party may not be something that you have ever even heard of, never mind considered. This can be the time of year for company parties in Bergen County and the surrounding area towns of NJ. It may be a time to celebrate, but also a time where maybe there is a bit more fun happening than intended. While holiday parties represent a time for everyone to mingle, a time for the boss to rub elbows with the entire team, and a time for clients to join in the fun, the presence of alcohol can pose a liability. This liability due to a Holiday Party can put your company at risk. Luckily Bogle Agency Insurance can assess your commercial insurance policy, including your coverage, your risk, and any additional needs.
The United States Department of Labor makes it clear that the improper use of alcohol at office parties can make employers vulnerable to liability under workers’ compensation, as well as tort and other laws. Liquor liability laws hold a server of alcohol liable, which when related to a party means the host. As a result, it is imperative that businesses take the necessary precautions to protect themselves. This protection can occur with the proper commercial insurance coverage. In most cases, a company’s commercial general liability policy will cover this, but it is certainly worth a discussion with your Bergen County NJ Insurance Agent.
Going a step further than general coverage, a business may want to consider Employment Practices Liability Insurance. This will protect from situations related to when an employee behaves inappropriately, maybe toward a co-worker or a client. Alcohol can bring on strange behavior, and making sure your company is covered is essential.
While everyone wants to have a great time at a party, it is important to stress the need to drink responsibly. Make sure to relay the message to the leaders in your business to set a good example. In addition, follow the law. Do not serve minors! Having plenty of non-alcoholic beverages on hand and a variety of food as well will work in your favor.
Better Insurance Practices | Better Insurance Agency Bergen County NJ
Bogle Insurance Agency wishes you a happy and safe holiday season. If you have questions or concerns about commercial insurance coverage policies or personal insurance policies, please give us a call today. Our goal is to help you understand the coverage you need, making sure you are covered under all circumstances that may arise. Let us help you enjoy a stress-free holiday party season. We welcome the opportunity to serve as your guide to insurance in Lyndhurst and throughout Bergen County, NJ.