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Blog Authored by:  Ken Mogren, CPCU

The Super Bowl has become a major event in terms of the number of house parties it has spawned. At the risk of being a spoilsport, here are some scary thoughts to consider before sending out those invitations:

Suppose a guest drinks too many alcoholic beverages and causes a serious accident while driving home. The victim(s) might not only sue your guest for his or her careless driving, but could also come after you for enabling the person to become impaired.

Or, what if food that you serve gets someone, or worse yet, EVERYONE sick? Maybe it sat out too long. Maybe your hands weren’t clean when you prepared it. Maybe you just happened to buy some contaminated ingredients. It doesn’t matter how the people get sick, you might end up at the top of some attorney’s list if this becomes a serious matter.

Maybe the action on the field spills over into your living room. People have been known to get rowdy at Super Bowl parties. Furniture can fall victim to exuberant guests reenacting something that just happened in the game. Failing to hide any footballs you might own could result in red wine on your white carpet.

The good news is your homeowners insurance covers incidents like these. The bad news is your deductible will probably mean you recover little or nothing on damage to your property. And it’s never good news if you become a defendant in some type of legal matter.

Despite all of the above, much fun will soon be had at countless Super Bowl parties. But it’s far less risky to be a guest than a host!


Posted 7:25 AM

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