For anyone who likes football, watching the Super Bowl is a tradition,
no matter what teams are playing. Many people either host Super Bowl parties
or are invited to a friend or co-worker’s house to watch the game.
What is a Super Bowl party without lots of food and drinks, generally
This is not intended to frighten anyone, but just food (and drink) for
thought. There may well be people who attend your Super Bowl party that
you have never met before; they might be a spouse of a co-worker or a
friend of a friend. You open yourself up to liability where there is the
potential for things to go wrong.
There is still time before this year’s festivities to check your
homeowners insurance policy and see what it covers, and more importantly,
what it does not cover. If you have any questions, call your insurance
agent and get the answers you need to protect yourself.
Things To Consider
Here are a few questions you should consider before the Super Bowl festivities begin:
Am I responsible if a fight starts and someone is injured?
Most homeowner insurance policies cover
personal injury on your property, when you are liable. Homeowner insurance is a mix of
“first party” coverage and “third party” coverage.
“First party” is you, the homeowner. This portion of the insurance
protects you from the loss of property or injury due to fire or vandalism.
“Third party” coverage refers to someone who is injured on
your property by slipping or falling down the stairs.
Am I responsible if a guest has had too much to drink and gets in an accident
on the way home?
In Texas, under the Dram Shop statutes, an individual can be liable for
an accident caused by a drunken driver, if the individual meets the criteria
of a “provider.” Under Texas law, a provider of alcohol is
someone who sells alcohol or has some beneficial exchange. On the other
hand, if people are drinking at your house and you are giving the alcohol
away, you will probably not be considered a “provider.” However,
if you take money from your guests to offset the cost of food and drinks,
you may well have set yourself for dram shop liability.
Am I responsible if someone gets
Your guests probably do not expect you to remodel your kitchen with hot
and cold food holding trays, but they do expect you to take reasonable
care in keeping the food free from bacteria and viruses. If someone gets
an illness from food you served at your house, you could be held liable.
While you are at it, give some thought to where you can put your dog to
keep it safe from a lawsuit, as well. Take a few minutes to fix the little
things you have been putting off, like the wobble stair rail or the broken
toilet seat. When you invite people into your home, you are assuming some
responsibility for their health and safety.
Contact the Kyle Law Firm today and get the help you deserve.