10/14/2026
Hosting family and friends for the holidays is one of the best parts of the season. But more people in your home can also mean more opportunities for accidents — and potential liability.
So, with holiday party season here, our team wants to share a few ways to help keep everyone safe and prepared:
🔴 Clear the way. Keep walkways, stairs, and gathering areas free of clutter, cords, decorations, or other tripping hazards.
🔴 Watch for slippery surfaces. Clean up spills promptly and keep an eye on entryways or outdoor paths that could become slick.
🔴 Serve alcohol responsibly. If alcohol is part of your gathering, monitor consumption, offer plenty of nonalcoholic options, and help guests arrange a safe ride home when needed.
🔴 Keep activities supervised. Pools, fire pits, trampolines, and other higher-risk activities may call for extra attention, especially when children are present.
🔴 Think about your pets. Even friendly pets can become overwhelmed by a busy house. Consider giving them a quiet, secure space away from the crowd.
🔴 Review your homeowners coverage. Homeowners insurance may provide liability protection if a guest is injured at your home, but coverage, exclusions, and limits can vary by policy.
A little preparation can go a long way toward making your holiday gathering memorable for the right reasons. Before hosting a large group, consider checking in with your insurance agent to make sure you understand your liability coverage and whether additional protection may make sense.