With the holidays and the end of the year right around the corner, many organizations will host parties for their employees. While these celebrations are fun and a good way to boost team morale, they can create a number of liabilities when alcohol is present.
In the United States, an average of 29 people die each day in motor vehicle crashes involving an alcohol impaired driver.
Any time you provide alcohol to individuals in a noncommercial manner, you are considered a social host. However, a social host may be held responsible for the acts of their guests if their conduct creates or exacerbates a risk to the public. In some cases, incidents can result in costly lawsuits that can easily reach six figures.
As such, it is important to take the appropriate steps to control your risk if your organization is sponsoring an event. To ensure the safety of your employees and business, consider doing the following at your next company-sponsored event:
In addition to proper liquor liability planning and education, review your company’s current liability insurance policy to determine your coverage in social host situations.
Remember, even with the proper coverage, an events and liquor liability policy does not eliminate your exposure if alcohol service is in violation of local laws. Call your commercial lines agent for more information 800-360-3000.