Halloween: Tips to make your celebration a treat

Halloween safety; Westport CT; 06880; trick or treat; pumpkin; Daigle & TraversBy Cincinnati Personal Lines

Don’t be tricked by liability issues! Keep Halloween safe for family and guests.

As you and your family bring out the Halloween decorations and prepare for parties and trick-or-treaters, take time to evaluate the liability exposures associated with having guests on your property.

Keep the following tips in mind to ensure Halloween is safe and happy for your family and guests.

Around your house

  • Make sure sidewalks, driveways and stairs are well-lit for visibility. In addition, clear them of anything that may create a trip-and-fall hazard. If you expect to have guests after dark for Halloween festivities, certainly do this.
  • Avoid any potential hazard by keeping your family pets away from your Halloween guests and visitors. Even the friendliest of pets can become over-excited with a lot of Halloween visitors.
  • Use extreme caution if you decide to place a burning candle inside a jack-o-lantern or around your home. Candles can be a fire hazard if not appropriately monitored. So, consider using battery-operated candles or glow sticks as an alternative.
  • Hand out only commercially-packaged treats to your neighborhood trick-or-treaters.
  • Supervise younger children as they go door to door. But, remember to secure your home before leaving to avoid potential thefts.

For the party host

If you host a Halloween celebration  ̶  at home or at another location  ̶  it is essential to evaluate the insurance coverage you have in place. Serving alcohol to guests opens you to exposure for host liquor liability. This means you could be held liable if a drunk guest leaves your party and injures someone or damages property.

Tips to keep your exposures to a minimum if you are serving alcohol

  • Ask that your guests designate a sober driver for the end of the evening.
  • Consider hiring a trained bartender trained to recognize intoxication and limit alcohol consumption by partygoers, if necessary.
  • Limit your own alcohol intake. As a responsible host, you’re better able to judge the sobriety of guests. As a result, you can assist them in making alternative arrangements to get home safely.
  • Stop serving alcohol toward the end of the evening and consider serving coffee and tea instead.
  • If you are hosting a party away from your home, check your insurance policy. Your agent can review your homeowner policy. Further, the agent can ensure you have the necessary liability coverage and off-premises property damage protection.
  • Monitor your guests. If any have had too much to drink, call them a cab or ask a non-drinking guest to drive them. In addition, encourage all your guests to wear seat belts on their return trip.

Call Daigle & Travers Insurance to discuss your personal liability insurance coverage and any exclusions, conditions or limitations. Don’t be haunted by incomplete coverage; your peace of mind will help assure that Halloween is a treat.

Daigle and Travers Insurance Agency serves all of Connecticut, including Southport, Greens Farms, Cos Cob, Stamford, Easton and New Canaan. Call us today at 203-655-6974.