Everybody loves a great party, and everyone appreciates a great host. Special memories are made when we gather together. However, hosting events at your home comes with certain risks. Below is a list of important considerations to keep in mind when hosting gatherings to ensure safety and protect your assets.
Vendors
When hiring caterers, DJs, bartenders, decorators, valet services, security, shuttle services, event planners, amusement device providers, or other vendors, consider the following:
- Verify that vendors carry General Liability and Workers Compensation insurance.
- For alcohol service, ensure vendors have Liquor Liability coverage and prioritize those with higher limits.
- Valet services should carry Garage Keepers Liability for any vehicle damage.
- Event planners should have professional liability coverage to address errors that may cause financial harm, such as cancellations.
- Amusement device vendors, like bounce house providers, should carry higher liability limits to address potential child injuries, which are often litigated more frequently and with higher settlements.
- Look for service agreements with hold harmless or indemnification clauses in your favor.
- Swarts Manning Insurance Private Client Department can assist in reviewing vendor insurance coverages and agreements.
Animals
Crowds and loud noise can frighten animals, leading to uncharacteristic behavior. Consider boarding your pets, leaving them with a friend, or securing them in an inaccessible area of your home to ensure their safety and that of your guests.
Home Maintenance
Before your event, ensure your home is in good condition:
- Confirm adequate lighting on dark pathways.
- Eliminate tripping hazards.
- Check stairway and balcony railings for security.
- Ensure smoke and carbon monoxide detectors are working.
- Confirm fire extinguishers are accessible and up to date.
Valuable Items Security and Inventory
Secure valuable items in locked safes, drawers, or rooms to prevent theft or damage. Use this opportunity to inventory your valuables and update your insurance policies as necessary.
Pool and Hot Tub Safety
If children are attending, ensure pool areas are inaccessible when unattended. Pool safety is critical to avoid accidents or fatalities.
Excess Liability Coverage
Review your Umbrella (Excess Liability) limits before the event. If you don’t have an Umbrella policy, consider adding one, or increasing limits for added protection.
Alcohol Consumption
Alcohol is often a staple of celebrations but comes with increased risks. To mitigate these risks:
- Hire a bartending service with Liquor Liability coverage; they are trained to prevent over-serving.
- Encourage ride-share services or designated drivers for guests.
- Provide plenty of water and food to lessen alcohol effects.
- Set a clear time to stop serving alcohol and to end the event.
- Offer overnight accommodations for guests who may have overindulged.
Community Considerations
If hosting in shared community spaces like clubhouses or parks, comply with additional HOA requirements, which may include mandatory security, higher insurance limits, or naming the HOA as additionally insured.
With proper planning and consideration, you can ensure your guests’ safety, protect your assets, and host a memorable event.
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