Can Your Super Bowl Party be an Insurance Liability?

Tuesday, January 29, 2019

Super Bowl Sunday is centered around football, yes, but it’s also about friendly get-togethers with friends and family, theme-centric parties, good food and drink, and generally, a rowdy good time.

Few people want to think about a guest getting food poisoning at their Super Bowl Party, or somebody crashing into their new glass coffee table. However, these things can and do happen, which begs the question: Do you have insurance liability to cover such things?

If you have homeowner’s insurance, you’re probably in good shape, but it’s a good idea to check with your independent insurance agent just in case you need something you need.

Meantime, here are a few tips that can, hopefully, prevent such calamities at your Super Bowl soirée: 

  • Hot food should be kept hot and cold food cold.
  • Keep hot foods at or warmer than 140 °F.
  • For cold food to remain at a safe a temperature at or below 40°F must be kept.
  • If perishable foods are left out longer than two hours, discard them and replace with fresh servings.

There may be exclusions in your homeowner’s policy relating to food poisoning, so remember to speak with your agent before the party. Usually, party food that makes a guest ill is covered in your homeowner’s policy and would cover medical bills and possibly any resulting lawsuits. Again, check the details of your policy.

And, what about your broken glass table?

Personal property coverage is part of your homeowner’s policy that would cover the broken glass table that your enthusiastic guest accidentally crashed into. A good proactive idea, however, is to simply remove breakable, valuable furniture and items from the viewing area and replace them with portable tables and TV trays.  

Your Super Bowl Sunday party is centered around fun and good times; so, a little preparedness before the party will ensure more fun and fewer mishaps for everyone.

Good luck to your favored team!

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