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Time for a party?

As the weather turns warmer, you might be thinking about hosting a neighborhood barbeque. Or maybe you’re planning an event to say “thanks” to your clients.

Whether it’s business or personal, holding an event may mean more than just sending out an invitation. With some planning, you can make sure it’s a safe one.

Location
Figuring out where to hold an event may be the easy part. Of course you want to know if the space will accommodate the number of people who will attend. Also find out if there’s enough parking.

Other things to consider - do you have guests with special needs (handicap, elderly, etc.) to consider? What things do you need to think about from a safety standpoint (lighting, potential for slips, etc.)?

You may want to ask about the insurance coverage for the facility that will be hosting your event. What insurance do they have? Does it cover your event? Does your personal or business insurance provide necessary coverage?

Depending on your event, you may want to ask about insurance for special events.

Alcoholic beverages
We’ve all heard the horror stories – and probably think it won’t happen to us. No one at our party will get into an accident after having a few beers. But what if it does?

If you’re having an event off-site, find out if you’re allowed to serve alcoholic beverages. If so, do you need a special permit? And what consumption laws should you know about?

Do you need to plan for a designated driver (or other transportation) if someone needs it? Who will be responsible for monitoring consumption – in case someone is “over-served?”

In some instances, liquor liability insurance may be an important safeguard. It provides coverage for bodily injury or property damage when an insured is held liable for such things as:

  • Causing or contributing to the intoxication of a person
  • Furnishing alcoholic beverages to a person under the legal drinking age
  • Violating any laws relating to the sale, gift, distribution, or use of alcoholic beverages
    Whatever the celebration, it pays to be cautious – and prepared.

A little bit of insurance can go a long way in protecting you, your event and your business. Make sure your event goes off without a hitch. Better yet – make sure it’s a safe event that everyone enjoys!

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