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The holidays are upon us which means it is a great reason to be with friends, family and coworkers to celebrate. Organizers of these gatherings put a lot of time in preparations but sometimes fail to plan for the unexpected occurence. Yes, things can go wrong. The big question is- Are you covered if something does go wrong? There are a few things to consider if you plan on hosting an event.

* WILL ALCOHOL BE SERVED? The biggest issue where cases of injury is typically when alcohol is involved. It is worth the expense to hire a bartender if you are hosting and make sure that they have liability insurance. The bartender can also limit the amount of alcohol that is being served and spot anyone who has had too much. Consider offering a transportation service like Uber or Lyft.  

*IS FOOD GOING TO BE SERVED? Additional risks exist when food is cooked and served. (ie. Volunteer injures themselves, food poisoning, fires.

*WHERE WILL IT BE HELD? You may want to consider having the party at a different location from your personal residence or office to avoid additional liability exposure. If it is held at a restaurant they will have liquor liability in place.

*WHEN WILL IT BE HELD? Perhaps a lunch outing should be considered that way alcohol will be monitored and limited. It is a good idea to have a cocktail hour or drink tickets to minimize too much usage and even offer coffee or tea.

*IS CASH STORED ON THE PREMISES? Cash management procedures must be considered if cash is present.

*WILL MINORS ATTEND THE EVENT? Events with minors require more supervision and security.

*DOES THE EVENT INVOLVE PHYSICAL ACTIVITY? Waivers/Consent may need to be completed prior to the activity taking place.

Anytime you have a group of people together like a Christmas party you should be prepared for a slip up or unexpected accident. As mentioned, anything can happen! Whatever the case the main reason is to have a great time with friends and coworkers at Christmas parties and be SAFE!

If you question if you are adequately covered with your present insurance coverage please feel free to contact us at;
www.moodyagency.com

Posted 2:36 PM  View Comments

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