Summer is the time for parties. The back patios are cleaned up from the long Indiana winter, the covers are off the pools, the kids are out of school, and the sun is lighting the sky longer into the evening. It’s the time to come out of your home and invite your friends over to join you in getting some vitamin D.
However, be sure that before you throw your big summer bashes, you cover all the bases to keep both you and your guests safe.
Making Sure You’re Protected
Before you invite anyone over, be sure to check that injuries of guests are covered in your insurance plan. Different homeowners and rental insurance plans offer different types of coverage in terms of guests, and it is important that if you are a regular host, you have an adequate amount of coverage for any kind of personal injury that occurs on your property.
In addition to protection against personal injury charges, it is important that you verify coverage over any expensive or meaningful possessions that you own. When multiple people are at a party, you never know what might be bumped or broken. Be sure that your insurance covers this type of accident before you open your house up and become vulnerable to such an incident.
It is also important that you familiarize yourself with the laws in your state in regard to social host liability, especially if you plan to serve alcohol at the party. In Indiana, anyone who supplies alcohol can be held liable for injuries that result from the guest’s intoxication if the host continues to serve alcohol even after the host can clearly tell that the guest is already intoxicated. The host will also most likely be held liable if they choose to serve alcohol to any guest who is underage.
Protecting Your Guests
Once you have verified that you are protected in the case of any accidents, be sure that you also protect your guests. Before you open your house up for parties, you are going to want to go through the house to verify that any hazards are taken care of, whether it’s a loose floor board or a slippery bathroom floor. Be sure to let guests know if you have a pool so that they may prepare accordingly, particularly if they have kids.
It is also important that you’re aware of how many people your home can comfortably hold and send invites accordingly. Also, be careful not to invite anyone that you don’t know well enough to trust.
If alcohol is served, there are a few precautions to take:
- Be sure there is enough food available to counteract the effects of the alcohol.
- Monitor the alcohol to be sure that no one who is either already intoxicated or underage is being served.
- When the party begins to wind down, be sure to put all alcoholic options away and switch to non-alcoholic beverages so that all guests can sober up before it is time to leave.
- Be sure that no guests get into a car to drive home if they are either still intoxicated or too tired to drive in full competence.
As party season hits full swing, be sure you take the necessary precautions in order to host a fun, but safe, summer bash.