There are many factors that go into hosting a great holiday party. Whether it’s prepping your family’s homemade, traditional recipes, cleaning your home for guests or decorating for the perfect holiday festivity, hosting a party is a lot of work! At the same time, it can be fun & your guests may look forward to your party for weeks. While we wish parties could be all fun and games, there are some risks you should be aware of.
We all know and understand the risks of drinking too much alcohol. However, when you are the host of a party and serving alcohol, you could be liable if someone leaves your home after drinking too much and gets into a car accident. As a host, be aware of how much your guests are drinking and ensure they have a safe ride home. Even if that means calling a taxi or Uber for them.
There are many ways a guest could trip and fall inside or outside your home. You can be liable and a home insurance claim may need to be placed if a guest is injured on your property. Here are a few things to consider to avoid a tripping hazard.
1.) Have a clear walkway path from your driveway to front door. Ensure there are no extension cords, cracks in the sidewalk or an icy path where your guest could fall.
2.) Clear toys, decorations or other objects from the hallways or stair case in your home.
3.) Ensure your rugs aren’t bunched where a guest could trip.
Did you know cooking is the number #1 reason for home fires? It’s easy to get distracted when you’re hosting a party and trying to cook your meal at the same time. However, don’t allow yourself to multi-task or leave the kitchen while heating elements are running. Other things to consider:
1.) Know where your fire extinguisher is located in your home.
2.) If a grease or oven caught fire, would you know what to do? For a grease fire, don’t throw water on it, but instead, smother it. For an oven fire, keep the door closed and turn off the oven.
3.) If you like to deep fry turkeys, keep it at least 10 feet away from your home.
Holiday parties give lasting memories for not only the host, but the guests as well. However, being prepared is crucial to protect yourself from liability. For questions about your home or liability insurance, contact our agency!