TRENTON – Many New Jersey residents will host Super Bowl parties next weekend and the Professional Insurance Agents of New Jersey Inc. reminds them that they are responsible for the safety of theirs guests, even after they leave the party. If a guest drinks and gets behind the wheel, causing an accident, the host may be held responsible.
Due to the dangers and liabilities involved, PIANJ reminds party hosts that professional, independent insurance agents can help you plan for coverage if a guest is injured in your home. PIANJ recommends checking your homeowners policy for adequate limits. Before you host your party, call your insurance agent. Have him or her explain what coverages you currently have and what coverages you might need.
“The Super Bowl is a great time to get together with family and friends,” said Anthony Bavaro, CIC, CRM, president of PIANJ. “It’s important to make sure they’re safe while at your home and they get back to their homes safely after the party is over.”
When entertaining guests, be a responsible host says PIANJ.
- If drinks are a part of your festivities, limit your own alcohol intake so you can determine if a guest is able to drive at the end of the night.
- Pick designated drivers who will refrain from drinking alcoholic beverages so that he or she can drive other guests home.
- Provide plenty of tempting non-alcoholic beverages and food for guests.
- Do not pressure guests to drink or rush to refill their glasses. And, never serve guests who are visibly intoxicated.
- Stop serving alcohol at least one hour before the party is over and switch to coffee, tea and soft drinks.
- Always serve food when serving alcohol. High-protein foods such as meat and cheese take longer to digest, slowing the rate at which the body absorbs alcohol. However, try not to serve salty foods. They make people thirsty, so they drink more.
- If guests drink too much or seem too tired to drive home, call a cab or arrange a ride with a sober guest.
PIANJ is a trade association representing professional, independent insurance agencies, brokerages and their employees throughout the state.