Do I Really Need Liquor Liability Insurance in Texas?
Autumn is the perfect season to get back outside and enjoy the outdoors without the oppressive heat of this past summer. Texans enjoy their festivals as much and almost as frequently as breakfast tacos. The change of calendar month to October is a reminder that soon we will prepare our home and enjoy our favorite activities that just scream fall!
Did you know we provide insurance quotes and options for holiday parties, housewarming, anniversary and birthday parties, retirement celebrations and more? Having a special events policy in place for a private party can help provide peace of mind and may fill in some gaps in coverage with home liability. Review your homeowner’s insurance policy terms to see if you are covered for slip-and-fall incidents, liquor liability, limitations and other things that can go bump in the night. Check your policy for exclusions and verify the state laws that can find you legally responsible for hosting a party in backyard.
Homeowners should purchase event liability insurance to provide additional coverage for private parties on your property or at your home residence. Texas has social host liability laws, which can make the host or homeowner liable for the actions of guests who have been drinking. Host liquor liability insurance can provide extra coverage for a party host if alcohol is served. What if you are found responsible for property damage or an injury caused during your celebration. Suppose your DJ damages a doorframe while moving equipment or a guest is injured breaking their leg while attempting the Monster Mash on the dance floor?
Home Private Event Insurance is available for events hosted by individuals not open to the public. With packages starting at $160 per event you may choose the right option for you. Enjoy those spiced ciders, apple picking, harvest celebrations, and all your favorite fall activities during the season with peace of mind.
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Sometimes living in Austin seems like one ongoing festival, and we are here for it! It is also time for all those great special events in Central Texas like Pecan Street Festival, Austin City Limits Music Festival, Oktoberfest, East Austin Studio Tour and more.
Contact us for your autumn event insurance needs. Did you know we have insurance companies who cover the ordinary, spooky and unusual fall festivities in addition to your auto or home insurance needs? We offer a special events policy to help make the harvest festivities fun and safe.
Contact us for your business, restaurant, non-profit, church, and school fundraiser or other festival events this autumn:
- Pumpkin Patches
- Parades
- Corn Mazes
- Art Festivals
- Craft Shows
- 5k Walks / Runs / Cycling
- Hayrides
- Horse Drawn Carriages and Camel Rides
- Concessionaires, exhibitors, vendors
- Weddings and Private parties
Those iced pumpkin lattes are brewing, and Autumn weather is just around every corner. Before you put the finishing touches on your costume, make sure you have general liability coverage with a special events policy and check out these tips to help make the festivities and trick-or-treating fun and safe.
Additional Resources
City of Austin Halloween Safety Tips – https://www.austintexas.gov/page/halloween-safety
CDC Healthy Halloween https://www.cdc.gov/healthequity/features/halloweenhealth/
NSC Halloween Hazards – https://www.nsc.org/newsroom/nsc-reminds-parents-and-drivers-to-avoid-halloween
TXDOT Spooktacular Halloween – https://www.dps.texas.gov/news/dps-offers-safety-tips-spooktacular-halloween
Descriptions of insurance products and packages are meant to offer general ideas only, are necessarily brief, and are subject to policy provisions, limits, deductibles, exclusions, and conditions that can only be expressed in the policy itself. In the event of a conflict, the terms and conditions of your policy prevail. This information is provided solely as an insurance risk management tool. It is provided with the understanding that we are not providing advice or any other professional services. We shall have no liability to any person or entity with respect to any loss or damages alleged to have been caused, directly or indirectly, by the use of this information.
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