Now that summer's here, you're ready
to invite guests over to party. What responsibilities do you have, though, if
you serve alcohol? Consider these facts.
You're Responsible
If one of your guests drinks and injures someone or causes an accident during
or after the party, you could be responsible thanks to social host laws that
vary between states. Understand your state's laws and be prepared to serve
alcohol responsibly because your intoxicated guests' actions could become your
liability.
Protect Your Assets
Your home, bank accounts and paychecks are at risk if you're found liable for
an intoxicated guests' actions. Lawsuits could run into the millions of
dollars, especially if someone is killed. Protect your assets when you:
*Stay sober
*Limit drinks
*Don't play drinking games
*Say no when someone's had enough
*Designate a driver to take guests home, call a taxi or let guests crash at
your house until they're sober
Never Serve Alcohol to Minors
Every state and even municipalities within a state enforce different laws about
serving alcohol to minors. However, you'll stay on the right side of the law if
you don't serve alcohol to minors during your backyard parties or leave alcohol
available during parties your kids might host when you're not home. Doing so
could get you fined or jailed.
All Home Insurance Policies are not Created Equal
Home insurance policies can include social hosting liability that you'll need
if you serve alcohol to party guests. Review your policy today and make sure it
includes adequate social hosting liability coverage. If it doesn't, discuss
your options with your agent or shop around for a policy that will protect you
and your assets.
Backyard party season has arrived, but be careful when you serve alcohol. Know
the facts so that you can protect yourself and your guests. Be sure to review
your homeowners insurance policy, too, as you maximize your coverage and
prepare to have a fun and safe summer.