Insurance agencies urge Super Bowl party hosts to play it safe

EAST PROVIDENCE (WPRI) – Insurance companies are warning Super Bowl party hosts that they could be liable if their guests drink and drive or get food poisoning.

According to Trusted Choice and the Independent Insurance Agents & Brokers of America (IIABA), hosts should be aware of the potential pitfalls of throwing parties on Super Sunday.

“Whether the food served came from your kitchen, a pizza delivery truck or a five-star caterer, if you serve it, you could be liable if anyone gets sick,” said Madelyn Flannagan, vice president for education and research for the IIABA. “Even a simple neighborhood Super Bowl potluck could have disastrous results for the host if someone is stricken with food-poisoning.”

The two groups have provided the following tips for party hosts and guests:

• Study the Host Playbook and Do Your Homework
  Party hosts should analyze the liability portion of their homeowners or renters insurance to protect them if they are sued.
   
• Watch What You Eat and Feed Others
  Make sure to check all food before putting anything out. Hosts can still be held liable if the food is prepared by a caterer or comes from a restaurant.
   
• Know the Rules
  Be aware of the state’s social host law and know that if a guest is involved in a car accident after drinking too much during a Super Bowl party, the host can be held accountable.
   
• Let the Party Go into Overtime
  To avoid any incidents where a partygoer has drank too much, allow them to stay after the game to sober up.
   
• Make the Party an “Away Game"
  Host the party at a restaurant or bar to avoid any liabilities.
   
• Call a Cab, Get a Room or Have a Slumber Party
  Have the proper accommodations prepared for those who are in no condition to drive home.
   
• Just Say No
  Hosts should not serve alcohol to those who are intoxicated and should stop offering alcoholic beverages at least an hour before the party is expected to end.
   
• Consider an “Umbrella” Policy
  By purchasing an “umbrella” liability policy, party hosts can obtain $1 million or more in additional coverage over their standard homeowners or renter policy.