Insuring Your Holiday Party
With the holiday season in full swing, you may find yourself planning a holiday party for all of your friends and family. While creating the perfect menu and putting up all of your favorite decorations, it is also important to make sure that you have the right amount of insurance coverage in case of any unfortunate incident.
For most small accidents, your existing homeowners insurance policy should provide enough coverage. The liability portion of your policy will provide coverage for any medical bills in case one of your guests gets severe food poisoning and has to go to the doctor. The liability coverage will also pay for any medical bills that are incurred if someone slips and falls at your home. Making sure that your walkway is clear of any obstacles can also help prevent any injuries. Before your party, make sure to talk with your insurance agent to see if you need to raise your coverage.
If you are planning on serving alcohol at your party, there is a bigger chance that there will be an accident, so make sure that you have enough coverage. As a host, you can be held responsible for the damages if one of your guests leaves after one too many drinks and causes a car accident. Investing in a liquor liability insurance policy will provide protection in case you are found responsible for an accident. Investing in a personal umbrella insurance policy will also provide the extra liability coverage needed to ensure that you are not financially devastated from one unfortunate situation.
For all of your homeowner’s insurance coverage needs this holiday season, contact the insurance professionals at Gee Schussler Insurance Agency in Orland Park, Illinois. We will work with you to ensure that you have the right amount of coverage, all at the right price.
