The right playlist, perfect mood lighting, stunning decorations, delicious drinks and food are probably on the top of your party planning list. But hosting a party requires preparation beyond this stuff. “This season you should know what you could be liable for while hosting a party,” says Ellsworth Buck, V . p . of Insurance, Florida's premier independent home insurance agency.
If you're hosting a holiday party this holiday season, you might want to be familiar with some liability items you could face if things don't go as planned.
Fireworks
Fireworks are legal, well kind of. Currently, under Florida law,
relatively innocuous devices such as sparklers are legal to purchase. But devices
for example firecrackers, torpedoes and roman candles are off-limits. People,
however, can buy the explosive devices when they sign a waiver saying they'll
make use of the fireworks for certain agricultural purposes, especially for frightening
birds from agricultural work and fish hatcheries. But, stay tuned. There is
currently an invoice in the Senate that would allow Floridians, 18 and older to
purchase fireworks that may be detonated four days a year- New Year's Eve,
New Year's Day, Memorial Day and Independence Day. If approved, the bill
wouldn't be realized until the coming year.
Be sure not to dismiss sparklers as completely harmless. The Insurance Journal reports sparklers taken into account 14 percent from the estimated injuries during July Fourth in 2021. Reloadable shells were involved in 12 percent from the estimated injuries.
“Whoever is leaving the fireworks could be held responsible for any injuries or property damage,” says Ellsworth Buck, Vice President of Insurance, Florida's largest independent homeowners insurance agency.
Alcohol
If you plan
for everyone alcohol at your home this season, take steps to be a responsible host.
This reduces your liability and keeps your family and friends safe.
While Florida does not have social host liability laws unless a minor is involved, remain a vigilant host. Seek advice from visitors to find out if there is a designated driver or have arranged for transportation when they overindulge in drinks.
Keep in your mind, as being a host or hostess is not always easy however with
the correct home insurance party fouls won't ruin your house.
Stay protected in your home with dependable home insurance. Contact a Insurance agent today or complete our online for free quote request form at www.greatflorida.com.
