Whether it’s a backyard wedding, family reunion or neighbourhood barbecue, as a host, you are responsible for the safety and wellbeing of your guests.
We know that insurance is probably the last thing on your mind when planning a celebration, but it’s important to plan for the unexpected.
Preparing your home to host
When you invite people into your home, you take on a level of responsibility for their safety. Before your guests arrive, be sure to:
- Minimize tripping hazards by ensuring that walkways and gathering areas are well-lit and free of clutter.
- Keep your first aid kit stocked and accessible.
- Store valuables such as jewelry in a secure location.
- Have a safe space to keep pets who may become reactive.
- Assign a sober adult to supervise swimmers, if you have a pool .
- Keep the gate locked when the pool is not in use.
Do you need insurance to host a backyard event?
Many homeowners assume that their home insurance will cover an event, but that’s not always the case – especially if alcohol is being served.
Before you send out invitations, speak with your Acera Insurance advisor. They can help you understand your current coverage and recommend additional protection based on your event.
Depending on the size and nature of your gathering, you may need:
- Event liability insurance: Helps cover injury or property damage claims during your event.
- Host liquor liability: Protects you against alcohol-related injury or damage claims that result from serving liquor.
Serving alcohol responsibly
Serving alcohol comes with added responsibility. For example, if a guest is over-served and gets into an accident while driving impaired, you could be held liable.
To reduce the risks:
- Have a designated driver.
- Be aware of the alcohol consumption of those in attendance.
- Communicate safe transportation options.
- Offer a space for guests to stay the night.
Questions?
Depending on the event, your insurance coverage may depend on the insurer and your policy options. Talk to your broker about what protection is available for you.
Contact us today to learn more.
Want to learn more about backyard risks?
Check out our blog posts on other common backyard risks, including pools, firepits and barbecues and trampolines and tree houses.
Information and services provided by Acera Insurance, Acera Benefits and any other tradename and/or subsidiary or affiliate of Acera Insurance Services Ltd. (“Acera”), should not be considered legal, tax, or financial advice. While we strive to provide accurate and up-to-date information, we recommend consulting a qualified financial planner, lawyer, accountant, tax advisor or other professional for advice specific to your situation. Tax, employment, pension, disability and investment laws and regulations vary by jurisdiction and are subject to change. Acera is not responsible for any decisions made based on the information provided.