New Year’s Eve is a time to celebrate the possibilities of the future with family and friends. However, this holiday also presents a few dangers that could make you liable for damages. The staff at Tri-Star Insurance Chula Vista discusses 4 major liability concerns you might face during your New Year’s Eve party and how to prevent them.
1. Driving Under the Influence
Drinking should be one of your biggest concerns during a New Year’s Eve party. Though California is less strict than other states about social host liability, there have been cases where California homeowners were held accountable for serving too much alcohol to their guests. Simply put, if you provide the adult beverages that lead to people drinking and driving and hurting someone while intoxicated, you could be held responsible for their actions.
2. Underage Drinking
If you provide alcohol to a minor who goes on to injure him or herself or someone else while under the influence, you could face a lawsuit from the victims. This law is covered under California Civil Code §1714(d) and applies to anyone who knowingly furnishes alcoholic drinks to a minor at his or her residence. If a guest even looks under 21, keep him or her from indulging in alcohol.
According to the National Fire Prevention Association, an average of seven people die each year from Christmas tree fires. The easiest way to prevent this disaster is by taking down your tree before your New Year’s Eve party. However, if you’d prefer to leave it up, make sure you keep a sharp eye on flammable sources while your guests are moving around with alcoholic drinks and cigarette lighters. If nothing else, do it for the sake of preventing a Chula Vista home insurance claim.
Peanut allergies grow more common by the day, and gluten, dairy, or citrus allergies can lead to a life-threatening emergency. Be careful about the snacks you serve at your New Year’s Eve party, especially if you’re putting out finger foods your guests won’t look at too closely. It only takes a few seconds for an allergic reaction to turn deadly.
To learn more about the potential liabilities homeowners face during parties and on a daily basis, get in touch with American Tri-Star. We are a leading provider of auto, home, health, and commercial insurance in Chula Vista. Call 619-827-0522 today to speak with one of our friendly and knowledgeable agents.