Angie Hooten - Hughes Insurance Agency Blog
You plan for a great night. Guests will come over and you will spend the night having a great time. All decorations have been set up, party lights have been installed. You set-up a buffet table full of finger food. The bar is stocked, and you prepare new cocktail recipes. The stereo is playing your favorite music.
Your guests arrive and you can hear laughter over the speakers. Everyone is having a great time. You are all sharing stories. Some are eating and drinking. You mingle around and reminisce funny stories. The party is a welcome change of pace from the hustle and bustle of work.
The night ends, and they leave. You notice some are a little tipsy, but they should be fine. They are all responsible adults. However the next morning you get a call. You receive the bad news that one of your guests were in an accident. He had a little too much to drink and drove his car home.
Always be cautious
You can be held liable for situations like this. As the host of the party, you are liable if your guests consume alcohol. This is true even if the incident happened outside of your home. It is always best to take extra precaution to avoid this from happening. Below are some things you should consider when hosting a party.
Outside of these precautionary steps, there is also umbrella insurance.
What is umbrella insurance?
This type of insurance protects you in the event someone is injured or property is damaged in your home. A typical incident like a slip or fall in your home is usually protected by your standard homeowner's insurance. However, intoxicated guests who leave your home and injures themselves is not. Consider the repair costs of their car and in the event they sue you. Since you supplied the alcohol, you can be liable.
Umbrella insurance covers you for claims that are not covered by your standard homeowner's insurance. It also covers your claims that are beyond the limit of your insurance. To learn more about this, talk to your insurance specialist and learn more about umbrella insurance.
At Angie Hooten Hughes Insurance Agency, we take pride in making sure that our clients are well-protected at prices they can afford. To learn more about how we can help you, please contact our agency at (901) 373-6060 or Click Here to request a free quote.