The holiday season is officially here, which means it is time to pull out all of your decorations for your annual holiday party. If you are serving alcohol at your party, it is important to make sure you have the right insurance coverage for any unfortunate situation that may arise!

As the host of a party, you have social host liability, which means that you have a civil and criminal responsibility when you serve your guests alcohol. If one of your guests has a couple too many drinks and gets into an accident when they leave, you can be held responsible. Typically, your homeowners’ insurance policy will provide enough liquor liability coverage for a small party, which will cover the cost of any legal fees that are the result of an accident. If you are throwing a large party this holiday season, you should consider investing in a special liquor liability insurance policy that will provide the extra coverage needed.

There are many steps that you can take to help reduce social host liability exposure at your party, including:

• Offering non-alcoholic beverage options and making sure to serve enough food. Eating and drinking non-alcoholic beverages helps slow down the effects of alcohol.
• Stop serving liquor an hour or two before the party ends to help guests sober up. Switch out cocktails for coffee or tea.
• Have the number for a taxi company on hand in case any of your guests have too much to drink.

For all of your homeowner liability questions for any of your holiday parties, contact Agape Brokers Insurance Agency in Hemet, California. We can provide you with the most comprehensive homeowners insurance policy that ensures you have the right amount of coverage for the holiday season.

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