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Plan on Partying This Holiday Season? Give Yourself the Gift of Liability Insurance

If you’re hosting a party this holiday season and plan on serving alcohol, be liability-ready.

Let’s say one of your guests leaves your party drunk and causes an accident. The blame could be pointed at you. In most states, you can be held responsible for your guests’ actions. If a civil claim is filed against you, your homeowners insurance pays for your legal representation and damages the court awards – up to the limits of your policy.

Additionally, you could be held liable under “social host liability” laws, so it’s important to have adequate liability coverage.

E. R. Munro and Company recommends purchasing liability coverage of $500,000 on your homeowners policy. It is usually no more than $50 of your total annual cost. Give E. R. Munro and Company a call at 877-376-8676 or visit our Web site at to learn more about liability insurance.