I’m planning my holiday work party. Do I need event insurance for just a few hours?
By hosting the party, you assume responsibility of the safety of your guests and protecting the venue you are using for the party. Without insurance, you would personally be responsible for damages.
Banquet halls and venues will require that you have event insurance in place. The venue may also request you have a certain liability amount on the insurance. Be sure to contact a BrokerLink broker to find insurance to meet your event needs.
Hosting alcohol at the event or hiring a bartender? Make sure that you request alcohol liability. As the party host, you could be held legally responsible if people consume alcohol during the event and harm themselves or someone else.
Always prevent guests from drinking and driving. Arrange for taxis to take guests safely home or have options available for guests to stay overnight, such as local hotels near or at the event.
Party planning is fun and rewarding; however, it’s hard to plan for misbehaving guests or damage to a venue. Don’t let the unexpected ruin your special day. Get event insurance so you and your guests can enjoy the party.