Super Bowl Party Fouls

super bowl party fouls

Super Bowl Party Fouls

It’s almost Super Bowl time, and many people are beginning to plan their festivities. Although many people flock to their local bar to watch the big game, a larger population of people host Super Bowl parties in their home. However, there are a few things you should know before planning a party.

There’s one term you should know: social host liability. It’s a legal term for the responsibility a person who offers alcohol has to a guest. If one of your guests has too much to drink and causes a car accident, then you could be held accountable by their victim. Unfortunately, alcohol can also bring out the worst in some people. Another scenario that would put you at risk is if one of your guests goes too far with another one of your guests. The victims of your drunk houseguest’s violent episode could even sue you and win.

Here are some precautions you should take if you are serving alcohol this Super Bowl Sunday:

  • Serve plenty of food
  • Encourage designated drivers
  • Do not, under any circumstances, allow underage drinking
  • If your budget allows, hire a licensed bartender.
  • Offer to call a cab, Uber, or Lyft for people who have had too much to drink.
  • Offer non-alcoholic beverages

Even outside of alcohol, sometimes accidents can happen in your home when your guests are completely sober. It’s important to take a look around your home and make sure that you have accident proofed your home. If you have a dog, it might be your best bet to have them in a secure area to avoid allergies, accidents, and possible dog bites. If you have a pool, make sure the fence is locked up and inform the parents of small children so they make sure the kids don’t get near the water.

Here at AWS, we have experienced insurance agents that can narrow down the best policies for you. We offer umbrella insurance policies that can protect you in the event of an accident during or after your party. These policies pay for claims not covered by homeowner’s insurance and can help pay legal fees and damages if you get sued. If you would like to discuss your options before hosting your Super Bowl party, then contact one of our agents today!

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Melinda Martin

Account Executive

Melinda began her insurance career in 1985 with Alexander & Alexander where she received her Property & Casualty and Life & Health license. Since then she has worked at various agencies in the New Orleans area and in California as a senior account manager for Employee Benefit Plans.  While in California, she was also the Membership Director for the Burbank Chamber of Commerce. Melinda joined the AWS team in July of 2015.

Michael A. Seeling

Vice President

Graduated from the University of Louisiana at Lafayette with a B.A. in Insurance Risk Management and is a graduate of Archbishop Rummel High School in New Orleans. He joined AWS in October of 2008 and has been awarded the Patient Protection and Affordable Care Act Certification (PPACA). Additionally, he is working towards his Certified Insurance Counselor (CIC), Registered Health Underwriter (RHU), and Registered Employee Benefits Consultant (REBC) designations. He is also a member of the National Association of Health Underwriters (NAHU), National Association of Insurance Financial Advisors (NAIFA), and is an active member of the Fore!Kids foundation.