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Hosting a Party? Be Aware of Your State’s Social Host Liability Statutes

Holidays such as St. Patrick’s Day, New Year’s Eve, and the Fourth of July are good days to keep social host liability in mind. Social host liability refers to the liability of an individual who provides alcohol to someone without selling it to them. For instance, if you’re hosting a party at your house and a guest becomes intoxicated and gets into an accident as a result of their intoxication, a person injured in this accident may try to assert a claim against you, the furnisher of the alcohol.

Each state handles these claims differently. For example:

Statutes can change over time, so please refer to your state’s statutes for full up-to-date details.

It is important to be aware that your insurance does not cover social host exposure. Your Homeowner and Personal Umbrella policies both exclude social host liability coverage.

Enjoy your holiday and celebrate responsibly. Do not provide alcohol to your children or your children’s underage friends or allow them to drink on your property. Such actions could result in an unfortunate or tragic accident, in addition to criminal penalties and/or civil liability not covered by your insurance.