5 tips for a safe holiday party

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Ensure clients are covered before they host guests.

December 13, 2011

Hosting a party this holiday season?

As your clients celebrate with family, friends and loved ones it’s a good idea to educate them about their responsibilities as a host. While we intend for guests to eat, drink, and be merry, sometimes accidents happen – and that can be a costly headache for a homeowner.

“There are a variety of situations or accidents that can occur that could put a serious damper on your party,” said John Bordignon, media relations spokesperson for State Farm. “What if a guest slips and falls, someone requires medical attention, or has too much to drink, then drives, and causes an accident? These situations are unpleasant to think about when planning a party, but homeowners should always make sure they are prepared for worst case scenarios.”

Most homeowners policies cover bodily injury, property damage, and will provide for legal defense should a homeowner get sued in civil court as a result of an occurrence that is covered by the policy. Also speak to your clients about umbrella policies, which offer an additional level of protection beyond the limits of a homeowner policy.

Here are some tips for clients who are planning a party:

1) Warn guests to pay attention to any hazards on the property that they should avoid or take them by surprise; such as steep steps or a hole in the ground

2) Ensure there is adequate outdoor lighting during times when guests will be arriving and leaving

3) Take special care of items on the property that may attract children, like a swing set or tree house, and reinforce to guests that their children must be accompanied by an adult at all times

4) Be prepared to have guests spend the night, appoint designated drivers, or have a local taxi service phone number easily available

5) Drink responsibly