Super Bowl Party Playbook

Insurance risks to consider when watching the big game

As millions of Americans prepare to host and attend Super Bowl parties this weekend, many may be unaware of the risks they may be taking. Trusted Choice and the Independent Insurance Agents & Brokers of America (IIABA) have come up with a list for party hosts to keep in mind when inviting people into their homes and serving food and drinks.

A bad bratwurst could bring just as many risks as too many beers. A recent survey by Trusted Choice and IIABA found that almost three-fourths of homeowners had served food in their home that was prepared by someone other than themselves. That means more than 111 million homeowners in the U.S. have put themselves at risk for a lawsuit by just feeding their guests.

IIABA and Trusted Choice provide the following tips for party hosts and guests.

Study the Host Playbook and Do Your Homework: When hosting a party, individuals should look to the liability portion of their homeowners or renters insurance policy to protect them if they are sued and found liable for an accident involving a guest who drank or got sick after consuming food at their home.


Watch What You Eat and Feed Others: Even if food was prepared outside your home by a caterer, another guest, a local deli, or the neighborhood pizza joint, YOU could be held liable if someone becomes ill from consuming it on your property. Make sure that you check food and don’t put anything out that you suspect may be undercooked, spoiled, or contaminated. Use only reputable food purveyors. Follow proper food-handling, heating/cooling and storage recommendations.


Know the Rules: In many states, party hosts can be held liable if a guest is involved in an alcohol-related accident. Many courts have found hosts liable for damages their party guests cause as a result of consuming alcohol and then driving motor vehicles. Many states have also enacted statutes that can be interpreted as mandating non-commercial social host liability. So, if a guest or third party is injured in an accident that is related to alcohol consumption and the drinking can be linked to you, you could be held responsible for the payment of medical bills, vehicle repair costs, lost time from work and—in the worst case—claims for wrongful death resulting in huge monetary settlements.


Let the Party Go into Overtime: If necessary, encourage guests to stay after the game is over to enjoy some non-alcoholic beverages and safe, filling food to sober up before driving home. Immediately after the Super Bowl is one of the most dangerous times of the year to be on the road.


Make the Party an “Away Game”: Host your party at a restaurant or a local sports bar that has a liquor license, rather in a home, to decrease your liability.


Call a Cab, Get a Room or Have a Slumber Party: Arrange transportation or overnight accommodations for those who cannot or should not drive home.


Just Say No: Do not serve guests who are visibly intoxicated. Stop serving alcohol at least one hour before the party is scheduled to end. You might also consider hiring an off-duty police officer or professional bouncer to discreetly monitor guests’ sobriety or handle any alcohol-related problems as guests leave.


Consider an Umbrella Policy: Planning ahead and learning about what’s involved in hosting a reception is the best defense. Purchasing a personal “umbrella” liability policy—providing $1 million or more in additional coverage over the limit of a standard homeowners or renters policy—may be a prudent move for the frequent party host.

Page 1 of 9
Comments

Resource Center

View All »

Leveraging BI for Improved Claims Performance and Results

If claims organizations do not avail themselves of the latest business intelligence (BI) tools, they...

Top 10 Legal Requirements for E-Signatures in Insurance

Want to make sure you’ve covered all your bases when adopting e-signatures? Learn how to...

Get $100 in leads with $0 down!

NetQuote's detailed, real-time leads have boosted sales for thousands of successful local agents across the...

The Growing Role of Excess & Surplus Lines in Today’s...

The excess and surplus market (E&S) provides coverage when standard insurance carriers cannot or will...

Increase Sales Conversion with this Complimentary White Paper

This whitepaper will share proven techniques - used by many of the industry's top producers...

D&O Policy Definitions: Don't Overlook These Critical Terms

Unlike other forms of insurance where standard policy language prevails, with D&O policies, even seemingly...

Environmental Risk: Lessons Learned from Willy Wonka and the Chocolate...

Whether it’s a chocolate factory or an industrial wastewater treatment facility, cleanup and impacts to...

More Data, Earlier: The Value of Incorporating Data and Analytics...

Incorporating more data earlier in claims lifecycles can help you reduce severity payments by 25%*...

How Many Of Your Clients Are At Risk Of Flood?

Every home is vulnerable to flooding. Learn four compelling reasons why discussing flood insurance with...

Gauging your Business Intelligence Analytics Capabilities and the Impact of...

Big Data, Data Lakes and Data Swamps, How to gauge your company's Big Data readiness....

Personal Lines Pro eNewsletter

Critical insights into the personal auto, homeowners, and other consumer insurance markets to help P&C professionals stay informed – FREE! Sign Up Now!

Advertisement. Closing in 15 seconds.