What Insurance Do You Need to Host a Holiday Party? 

Organizing an event in California exposes you to certain risks. If you are planning a gathering at home or arranging a company celebration, it is crucial to understand your insurance options.

Understanding Your Responsibilities as a Host

Inviting people to your home or business comes with certain obligations. Accidents may occur, such as slips, falls, property damage or incidents involving alcohol. In California, hosts can be held liable for injuries or damage that happen during their event, so having appropriate insurance should be part of your planning process.

Types of Insurance to Consider

Here are some types of insurance to consider before organizing an event:

• Homeowners or renters insurance—If your party is at your residence, your current policy might offer some liability coverage. However, coverage limits differ. Some situations, such as those involving alcohol, may not be fully covered.
• General liability insurance—Businesses hosting holiday events may be able to use this coverage to address third-party claims of bodily injury or property damage that occur during the gathering, but it’s important to confirm with your broker first.
• Special event insurance—This policy is designed for one-time events and may provide financial protection for event cancellations, property damage and injuries to guests.
• Liquor liability insurance—This policy may cover expenses if a guest causes physical harm or property damage after consuming alcohol at your event.

Learn More

Nijjar Insurance Services offers special event insurance for event planners in California. Our team can assess your situation and recommend suitable coverage. Contact us today for more information.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.