Superbowl Sunday. It is not your typical day of football. It is that one day of the year when the two best NFL football teams compete for the title of Superbowl Champion. What does that mean for football fans everywhere? Superbowl parties, of course! Now it literally is as they say “All fun and games until someone gets hurt.” But we aren’t talking about the football game; we are talking about the parties. How can you protect yourself and prevent a liability disaster this Sunday? Your South Carolina Insurance may somewhat protect you, but also depends on the situation.

Here are a few suggestions from the Insurance Information Institute on how to protect yourself and prevent a liability problem:

• Discuss with your agent about what is covered if you have a party at your home where guests may be drinking - you may also want to think about having the party elsewhere to limit your liability.
• Understand the South Carolina laws regarding social host liability law as it is possible to be sued for negligence.
• Designate drivers or call a cab and be sure your guests utilize either if needed.
• If you are hosting a party, be responsible and limit your drinking so as to not alter your own judgment for your guests’ safety sake.
• Have plenty of food and non-alcoholic drinks to offset the alcohol.

Now, whether or not you are hosting a Superbowl party, make an appointment with your South Carolina insurance agent to discuss your liability coverage. Prevent problems before they happen.

Party on - but read the South Carolina Social Host Liability laws first: http://www.socialhostliability.org/NHTSA/SouthCarolina.pdf

Read more ways to prevent Social Host Liability issues from the Insurance Information Institute:  http://www.iii.org/press_releases/tips-for-planning-a-super-bowl-party-serve-alcohol-responsibly-review-your-insurance.html