With Christmas only a week away, it is never too late to think about the best way to ensure a safe and happy holiday season. We all get involved with charity activities, church events, holiday parties and family get-togethers. These events have many common factors -- lots of people, food, and sometimes alcoholic beverages. These things can all be a source of enjoyment during the holidays, but as with anything, moderation and attention to detail is very important. Here are a few reminders that can help you to enjoy the holidays with your co-workers, family and friends and avoid any potential safety issues:
Food: Keep hot items hot, cool items cold, and if you don’t get food into the refrigerator within two hours, throw it away.
Alcohol: Limit the intake of alcohol. One way to do this is to have other activities such as sports, games, movies etc., for visitors to enjoy. Don’t just sit around and drink.
Party at a Bar: In order to lessen your liability from drinking, you might consider having your event at a bar. The bar assumes some of the liability if something happens, and bartenders should limit serving intoxicated individuals. If you do have the event away from home, have a designated driver or get a cab for anyone who seems to need it.
Party at Home: You are liable for people who drink at your house, so keep your eye on your guests. Don’t serve guests who are inebriated. Call them a cab, or have a “slumber party” if that works best.
Insurance: Lastly, make sure your insurance is up to date in case something does happen. Most homeowners’ policies do provide some liability protection for an event you sponsor, but check your policy or confer with your agent to find out if there are limitations. Some policies require that you add an endorsement for events held away from your home. You may also want to consider an umbrella policy as it provides additional protection in case of a liability issue.
Everyone wants to enjoy the holidays. Anticipating the potential problems that might occur from a holiday event will help to avoid problems and make the event more enjoyable. If you have any questions about your personal or business coverage, contact Greg Nelson at Western Growers Insurance Services for more information.
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