26 Oct Know Your Liquor Liability Exposures
The National Highway Traffic Safety Administration estimates that nearly 13,000 people per year (about 35 per day) are killed in alcohol-impaired driving crashes.
Many of these tragic accidents happen after an inebriated person leaves a party. Did you know that the host of the party can be held liable for injuries and deaths? Host liquor liability may be covered under your homeowners insurance policy if you , as the host, are held legally responsible for such a terrible accident. Here are some tips to consider if you occasionally host social events involving alcohol:
- Limit the amount of alcohol at your event.
- If alcohol is served at your party, make sure there is plenty of food. Eating slows down alcohol absorption.
- Do not “push” alcohol on your guests.
- Encourage designated drivers and provide nonalcoholic beverages for these guests.
- Look for signs on intoxication. An intoxicated person often has trouble walking or has slurred or loud speech. This is not, however, a foolproof method of determining whether someone is intoxicated.
- Consider hiring trained bartenders. There individuals are trained to recognize and deal with intoxication. Using professional bartenders can significantly reduce the risk and may help in defending a claim should there be one.
- Survey of youth indicate that the most common source of alcohol, is the young person’s home. Thus, closely monitor a social event your child hosts to make sure there is no drinking allowed, particularly underage drinking.
- Do no allow an intoxicated guest to drive away from an event. Offer to drive them home or provide a free cab ride.
Following these tips can greatly reduce or eliminate your host liquor liability exposure.
(Provided by Auto-Owners Insurance Company; Compliments of Soderholm Insurance Services.)