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Avoid Liability Risk at Halloween
In most places, homeowners who leave their porch light on are considered to be welcoming trick-or-treaters – and opening themselves to liability risk. To protect yourself, take these steps:
- Keep your steps and walkways clear of tripping hazards.
- Don't light jack-o-lanterns with candles.
- If you have a dog, keep the dog confined until trick-or-treating is over. Even the friendliest dog can freak out at the sight of a tiny goblin.
- If you are hosting a party at which alcohol is served, provide plenty of food and keep an eye on your guests. Arrange for a ride for anyone who appears to have been overserved. You should never let anyone drive away from any gathering at your home if the person is impaired.
- If your older children are hosting a party, keep an eye on what is going on. If someone at the party is drinking and causes damage or injury after leaving, you could be liable, even if you did not give permission for or know about the drinking.
Finally, it might be a good idea to review your liability coverages as we head into the holiday season. We would be happy to talk with you about this or any other insurance or risk management need. Contact us at 847-572-0808 or email@example.com.