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Tips for Hosting a Super Bowl Party: Serve Alcohol Responsibly, Review Your Insurance

Planning a Superbowl Party?  You’re not alone.  This Sunday, millions of Americans will drive to a friend or family member’s house to watch the Super Bowl. While the big game is one of the most exciting events of the football season, it is also one of the most dangerous as roads are filled with too many impaired drivers winding their way back home after the parties.

About 30 percent of all traffic fatalities in the U.S. in 2011 involved drunk drivers, according to the most recent figures from the National Highway Traffic Safety Administration (NHTSA).

Young men—ages 21 to 34 years old—are the core audience for major sporting events such as the Super Bowl and are also the most likely to drive while intoxicated, according to NHTSA. They are also the most likely to drive fast and not wear their seatbelts.

If you are planning to host a Super Bowl party, the Insurance Information Institute (I.I.I.) suggests the following tips:

  • Make sure you understand your state laws. Before sending out party invitations, familiarize yourself with your state’s social host liability laws.
  • Speak with your insurance agent or company representative about your homeowners coverage and any exclusions, conditions or limitations your policy might have for this kind of risk. Homeowners insurance usually provides some liquor liability coverage, but it is typically limited to $100,000 to $300,000, depending on the policy, which might not be enough.
  • Consider venues other than your home for the party. Hosting your party at a restaurant or bar with a liquor license, rather than at your home, will help minimize liquor liability risks.
  • Hire a professional bartender. Most bartenders are trained to recognize signs of intoxication and are better able to limit consumption by partygoers. 
  • Encourage guests to pick a designated driver who will refrain from drinking alcoholic beverages so that he or she can drive other guests home.
  • Be a responsible host. Limit your own alcohol intake so that you will be better able to judge your guests’ sobriety.
  • Offer non-alcoholic beverages and always serve food. Eating and drinking plenty of water, or other non-alcoholic beverages, can help counter the effects of alcohol.
  • Do not pressure guests to drink or rush to refill their glasses when empty. And never serve alcohol to guests who are visibly intoxicated.
  • Stop serving liquor toward the end of the evening. Switch to coffee, tea and soft drinks.
  • If guests drink too much or seem too tired to drive home, call a cab, arrange a ride with a sober guest or have them sleep at your home.
  • Encourage all your guests to wear seatbelts as they drive home. Studies show that seatbelts save lives.

If you drink, please drink responsibly.

To review your coverage, please contact your representative at Allen & Furr.

Source:   Insurance Information Institute

Question:  What team are you cheering for in Superbowl XLVII?