While you might be focused on decorating in green, perfecting your corned beef recipe, or stocking up on Guinness, hosting a party also comes with risks. If a guest slips on a spilled drink, gets injured, or even leaves your house and causes an accident, you could be held responsible.
Before you raise a glass this St. Paddy’s Day, here’s what you need to know about homeowners and renters insurance—and how it can help protect you from any party-related accidents or mishaps.
What Happens If Someone Gets Hurt at Your Party? 🤕
If a guest trips over a decoration, falls on your steps, or gets injured in any way while at your party, you could be liable for their medical expenses and legal fees if they decide to sue.
✅ Check your homeowners or renters insurance – Most policies include personal liability coverage, which can help cover medical bills and legal costs if someone gets hurt at your home.
✅ Consider umbrella insurance – If you’re hosting a large party or worried about coverage limits, an umbrella policy can provide extra liability protection.
What If Alcohol Leads to an Accident? 🍻🚗
One of the biggest concerns at any St. Patrick’s Day party is alcohol liability. If a guest leaves your house intoxicated and causes an accident, you might be held responsible under social host liability laws in some states.
✅ Check your liability coverage – Some homeowners policies may provide limited protection if a guest is injured due to alcohol-related incidents.
✅ Encourage designated drivers & rideshares – Offer non-alcoholic drink options, encourage guests to use Uber or Lyft, and consider collecting car keys at the door to prevent unsafe driving.
✅ Consider special event insurance – If you’re hosting a large party, you may want to look into event liability insurance, which provides additional coverage for alcohol-related incidents.
What If Property Gets Damaged? 💥
Between rowdy guests, spilled drinks, and maybe even an impromptu Irish jig, accidents happen. If your property—or a neighbor’s—gets damaged, you may need to file a claim.
✅ Homeowners or renters insurance may help – If furniture, walls, or floors are damaged, your policy might cover repairs or replacements (after your deductible).
✅ Know your coverage limits – Some policies exclude intentional damage caused by guests, so if a friend gets a little too wild and breaks something, you may be stuck footing the bill.
Tips to Keep Your Party Safe & Fun 🎉
Hosting a St. Paddy’s Day party doesn’t have to be stressful. Follow these simple tips to keep your celebration safe and covered:
🍀 Clear walkways & secure loose rugs – Reduce the risk of trips and falls.
🍀 Keep an eye on alcohol consumption – Offer plenty of food and non-alcoholic drinks.
🍀 Limit guest count – The more people, the more risk of accidents.
🍀 Check your insurance policy in advance – Make sure your liability coverage is up to date.
🍀 Encourage safe transportation – Have ride-sharing apps ready and help guests get home safely.
Don’t Leave Things to Luck!
St. Patrick’s Day is meant to be a fun and festive time, but as a host, it’s important to think ahead and be prepared. Checking your homeowners or renters insurance before your party can give you peace of mind, so you can focus on celebrating responsibly.
Want to review your liability coverage before the big day? Give us a call, and we’ll make sure you’re protected—so you can enjoy the festivities without worry! ☘️🎊
