Ready to celebrate the season with your holiday spirit on full blast? Before you do, take a few minutes to help ensure a safe season.
Welcoming Friends for a Holiday Party
- Stay sober so that you can comfortably control any potential issues.
- If you are serving alcohol, have plenty of food and non-alcoholic drinks available.
- Plan for potential overnight guests and have taxi numbers handy.
- If you are not comfortable with your guests driving, don’t give them the option to refuse your help.
If your company or organization is hosting an event at a venue, you are still responsible for your guests’ safety, and you may require additional insurance for liquor liability.
What is Liquor Liability?
Does your company or organization host any receptions or events throughout the year? Do you serve any alcohol at these events? If you answered yes, you have a liability exposure.
Anyone involved in the service of alcohol could be held liable for damages or injuries where alcohol is deemed to have been a contributing factor –Insurance Bureau of Canada
Liquor liability coverage protects you in the event that you and/or your organization is deemed liable.
Who Needs Liquor Liability Coverage?
Any organization or company that hosts an event where liquor is served needs to have liquor liability insurance. If alcohol is present – you need to have coverage
Liquor Liability Exposures include (IBC):
- Liability as a server – serving people past the point of intoxication
- Liability as an occupier – people, companies, or any other organization that owns, has possession of or responsibility for premises are responsible for protecting persons on their premises from harm
- Liability as an employer regarding employees consuming alcohol, such as at staff parties
- Liability as a sponsor of potentially dangerous activities
- Use of excessive force – security personnel cannot use unnecessary or excessive force to manage intoxicated patrons
Am I Covered by my Insurance Policy?
The insurance coverage required is dependent upon the type of event being held. Contact one of our advisors today to ensure that you are properly protected.
Holiday Fire Safety
Seasonal décor is another safety concern during the holiday season. Incidents of residential fires increase during the holiday season, most of which are preventable. Here are some tips on safely decorating your home for the holidays.
Building Outdoor Light Shows
Does your holiday decoration display light up the whole neighborhood? Here are necessary lighting precautions to follow:
- Replace old or frayed lights with new CSA-certified, energy-saving lights.
- When replacing bulbs, turn off the main electricity supply to the outdoor lighting.
- Connect outdoor wired to a grounded, weather-protected outlet.
- Use extension cords safely and avoid overloading.
- When installing lights, use a sturdy ladder and have someone hold it for you.
Also, keep the area around your property clear of ice to prevent your guests from slipping and falling.
When it comes to indoor lighting, similar rules apply. Use certified, high-quality lights and replace strings with frayed wires, which can lead to fires. Always unplug lights before going to bed or when leaving your home, or set them on a timer.
For more information for holiday fire safety, visit the Canada Safety Council
Celebrate safely this holiday season.