Graduation Parties and Your Liability Risks
Graduation season is here, and along with that comes graduation parties. Graduation is a big deal in your teen’s life. It represents the transition from one stage of life to the next. Friends and family are invited over to celebrate the young graduate and more likely than not, a barbeque is in store. Before champagne is popped and congratulatory gifts are exchanged, you need to understand your liability risks. If you have any questions, contact our office at 413.475.7283 or Complete our online quote form today!
Liability insurance helps cover medical and legal fees if you’re held legally responsible for someone else’s injury, or damage to someone else’s property. No matter how careful a host is, accidents can happen. Imagine if a guest trips and falls while playing a game of bocce on your lawn or burns their hand on your grill. Let’s say you have a volleyball net, everyone is enjoying the game, and two of the players get tangled up and sustain injuries. It’s important to speak with your insurance agent before your event to discuss coverage.
Make sure your guests are safe by prepping your home before they arrive. This could include more long-term installations to make your home safe, or it could just be making sure that you don’t have anything on the ground where someone could trip.
- Make sure there aren’t any slippery surfaces where guests could slip and fall. This may include rugs or spills on the floor.
- Install handrails by any steps, if they are not already there. This will reduce the likelihood of someone accidentally falling down the stairs.
- Take precautionary measures and purchase a home fire extinguisher, especially if you are planning to have a backyard BBQ.
- Make sure you have a first aid kit at home. It’s useful in case of any cuts, scrapes, or other minor injuries.
At the end of the day, you want your guests to have a good time celebrating this momentous occasion, while still staying safe. The best way to do that is to make your home as safe as possible, and getting enough insurance coverage just in case something does happen. To learn more about Encharter’s homeowners insurance, you can call and speak to an agent at 888-754-8299 or visit us online at https://encharter.com/personal-insurance/umbrella-insurance/. They will be happy to discuss any questions or concerns you may have!