Whether you are having a party or not, when people are on your property and they fall, you could be responsible for the losses they suffer. It may not seem like it is your problem if your guests are intoxicated, but it can be. Before you plan the next event at your home, it may be time to step things up and ensure that your guests and your home is protected. Having home insurance is one of the first and most important steps you can take.
Who is Liable for Intoxication?
Perhaps your teen threw a party and you didn't know about it. Or, you had a few friends over and didn't think twice about allowing them to get a few drinks in. After all, they were safe at your home. Then, someone falls. They are hurt enough to go to the hospital or may even be seriously injured. Are you responsible for this?
There are a few key things to take into consideration:
- Some states have laws in place that eliminate the responsibility of the host in such events. State laws differ in terms of what is excluded.
- You may not be responsible for injuries, or even deaths, resulting from intoxication if and when it does occur at your home.
- Most injuries occurring at your home, though, could be considered your responsibility, especially if they are brought on by negligent factors.
- If you are negligent, such as in supplying alcohol to minors or knowingly providing someone with a significant amount of alcohol beyond their capability, you may be responsible.
- If you knowingly allowed someone to leave your home while intoxicated and get behind the wheel, you could be negligent in some states.
According to the Insurance Information Institute, 37 states, including Colorado, have adopted some form of "social host" law or set a legal precedent that allows you to be found liable if a guest injures himself or someone else as a result of alcohol consumption at your party.
There is no doubt that taking steps to protect your home is essential. If you plan to have people visit your home and they will be drinking, ensure your home insurance policy is in place with ample liability coverage. It also helps to know your state's laws on negligence. If someone does get drunk, don't let them drive or otherwise become hurt. Most importantly, make sure someone remains sober to care for others.
Are you familiar with home liability risks? Call Alliance Insurance Group at (888) 279-9701 for more information on Denver home insurance.