Holiday getaway Get together – Best 10 Suggestions to Keep away from a Lawsuit Right after a Holiday Party

A holiday party could be festive, joyous. . .and potentially hazardous to your financial wellbeing. You wish to enjoy the company of family and friends. Butif you’re not very careful, you might wind up getting sued for what happens in your party. . .or what happens AFTER your party.

O Before the date of the party, read your homeowners, tenants or condo-owners insurance policy and discuss the party with your insurance agent. Be certain it specifically provides adequate liability coverage for events from the negligence of the policyholder, which is YOU.

O Consider purchasing a Liability Umbrella policy to supplement your normal coverage. Premiums for about $ 1 million of coverage run about $300 to $500 yearly. Be certain there is no gap between the present policy and coverage provided by the umbrella coverage. For instance, if your homeowners insurance has liability limits of $300,000 and your umbrella policy covers prices above $400,000, you would have to make up the $100,000 difference if you’ve got a claim. Got $100,000 just lying around?

O Consider creating guests hand over their car keys when they arrive. They are more likely to hand over the car keys before they start drinking than they will be following a few party beverages.

O Do not serve alcohol to ANYBODY under the legal drinking age in your nation. If you are sued, your insurance policy may not provide protection.

O Do not let your guests on the other side of the bar. Consider employing a professional bartender to the party. He will know better when to say’No’ into a guest who has had one too many. The hired bartender must have his own liability insurance and provide you a copy of his insurance policy certification BEFORE the party.

O Serve plenty of food. This can help keep guests away from drinking on an empty belly. But, consider avoiding salty and spicy foods which make people hungry. Why do you think bars set out pretzels and popcorn?

O Serve a lot of non-alcoholic beverages.

Caffeine does not sober a individual up. .

They might insist that they are sober enough to drive, but do not you believe it. Use the next and final tip….

O Spend approximately $50.00 and purchase a home breath analyzer. They are recorded all on the’Net, such as Amazon. Then, make every person leaving the party blow in the breathalyzer to determine what they blood alcohol level will be. Too large and they don’t drive home. PERIOD.

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