Diverse group of friends sitting in a living room, clinking glasses together in a toast.

Social Hosting & Liquor Liability

The National Highway Traffic Safety Administration (NHTSA) estimates that, in the United States, 28 people per day are killed in alcohol-impaired driving crashes.

Many of these tragic accidents happen after an inebriated person leaves a party -- an event in which the host of that party might be held liable for injuries and deaths to innocent parties. Although there might be coverage under your personal auto policy or homeowners policy if you (as the host) are held legally responsible for such a terrible accident, a wiser risk management strategy is to avoid or reduce the chance of loss altogether. With that in mind, here are some tips to consider if you (or a resident family member) occasionally host social events involving alcohol:

Source: International Risk Management Institute, Inc.