Whether you are hosting a Super Bowl celebration or welcoming the New Year with good friends in your home, in the event that you are planning to serve alcoholic beverages at any party it is essential to take actions to restrict your liquor liability and to make sure you have the sufficient liability insurance.

Social host liability, the legal term for the criminal and civil responsibility of an individual who furnishes alcohol to a guest, can have a major effect on celebration throwers. Social host liability, also referred to as “Dram Shop Liability” laws differ widely from one state to another. However, 43 states have them on the books. Many of these statutes also use an injured individual, such as the victim of a drunk motorist, an approach to take legal action against the individual who served the alcohol. There are situations under these laws where criminal charges might likewise use.

While a social host is not accountable for injuries sustained by a drunken visitor (as they are also irresponsible), the host can be held responsible for 3rd celebrations, and may even be liable for guests of the visitor who have been injured in their car.

Before planning a party in your home, it is important to speak to your insurance agent or company representative about your homeowner’s coverage and any exclusions, conditions or restrictions your policy might have for this sort of risk. Homeowners insurance usually provides some alcohol liability coverage. However, it is generally restricted to $100,000 to $300,000, depending upon the policy, which might not be enough.

Ensure you understand your state laws. Before sending celebration invitations, familiarize yourself with your state’s social host liability laws. These laws vary commonly from state to state. Some states do not enforce any liability on social hosts. Others restrict liability to injuries that take place on the host’s facilities. Some extend the host’s liability to injuries that occur anywhere a guest who has taken in alcohol goes. Numerous states have laws that relate particularly to furnishing alcohol to minors. Think about venues besides your home for the celebration. Hosting your party at a dining establishment or bar with a liquor license, instead of at your home, will help decrease alcohol liability risks.

This article was contributed by top-rated Allstate Houston insurance agent, Steve Griffin.  He specializes in preparing insurance quotes Houston residents count on to save them money on their insurance.