Are you planning on throwing a Super Bowl party this Sunday? While it can be great to gather with family, friends, neighbors and coworkers to watch the big game, homeowners and renters who are hosting parties should be aware of some insurance concerns that can be associated with welcoming guests into your home.
This quick read is a good refresher on some things to keep in mind as you get ready to host your party. Along with prepping those party foods, protecting guests from potential accidents, injuries and excessive intoxication should be some of your main priorities.
Here are our best tips on how to reduce risk and ensure you’re hosting a fun and safe Super Bowl Party.
- Keep floors clean and clutter to a minimum.
A spilled drink or even a jacket casually tossed on the floor can suddenly become a recipe for one of your guests to slip, fall and possibly hurt themselves.
- Keep pets away from your guests.
All pets can get scared, it happens. Strangers + loud noises can quickly lead to a dangerous situation. The last thing you want is for your pet to bite one of your guests. Even the most docile dogs and cats can bite when feeling scared or threatened. It’s best to eliminate this risk completely.
- Keep the party from turning Into a booze fest
Yes – responsible alcohol consumption is possible – even on Super Bowl Sunday. First, make sure you’re offering plenty of nonalcoholic beverage options. Also be sure that you’re storing alcohol in a safe place away from minors. This should go without saying, but never serve alcohol to persons under 21 and never let someone drive home if they’ve had too much to drink. Consider “confiscating” car keys for safe storage when guests arrive and don’t forget the beauty of designated drivers and ridesharing services like Uber and Lyft. Also consider having a guest room ready.
- Review your homeowners insurance or renters insurance policy and speak with your insurance agent during your party planning.
Not all policies are alike and you may have coverage for everything. You may also consider purchasing a Special Event policy, depending on the size and scope of what you’re planning. At Cochrane & Porter, we’re here to help. Give us a call!