If you’re planning to host a Super Bowl party this Sunday, be sure to add safety and common sense to your playbook before guests arrive. As hosts of a party, homeowners and renters could be liable for the safety of their guests – even after they leave the party.
Super Bowl Sunday is considered one of the worst days to drive because of impaired motorists driving home from parties. In fact, 36 percent of all traffic fatalities on Super Bowl Sunday in 2011 were a result of impaired drivers, according to the National Highway Traffic Safety Administration (NHTSA).
“The Super Bowl is a great time to get together with friends,” said Karl Newman, NW Insurance Council president. “It’s important to make sure they’re safe while on your property and that they get back to their homes safely after the party is over.”
In addition to drunk driving, negligence that leads to injuries on your property also can cost homeowners and renters. That’s why it’s important to have adequate Liability Coverage in your Homeowners or Renters Insurance policy.
Liability Insurance protects you from losses resulting from bodily injury or property damage that you or your family members cause to others.
NW Insurance Council encourages property owners and renters to evaluate their liability insurance needs at least once a year. Most insurance companies offer a minimum of $100,000 in Liability Coverage and as high as $500,000 per incident. Most also offer an optional Umbrella Liability Policy, which provides additional liability coverage ranging from $1 Million to $5 Million.
NW Insurance Council and the Insurance Information Institute offer the following tips to help you avoid being sacked for a liability loss during your Super Bowl party: