Liability insurance for your holiday party may not be on the radar when thinking about commercial insurance coverage. In fact, insurance for your holiday party may not be something you’ve ever even heard of, let alone thought about. This can be the time of year for corporate parties in Bergen County and the surrounding NJ towns. It can be a time to celebrate, but also a time where things might happen a little more fun than expected. While holiday parties represent a time for everyone to mingle, a time for the manager to rub elbows with the entire team, and a time for customers to join in on the fun, the presence of alcohol can pose a liability. This liability due to a holiday party can put your business at risk. Fortunately, Bogle Agency Insurance can assess your commercial insurance, including your coverage, your risk and any additional needs.
The US Department of Labor makes clear that the inappropriate use of alcohol at office parties can leave employers vulnerable to liability under workers’ compensation, as well as tort and other laws. Liquor liability laws hold a server of alcohol liable, which when related to a party means the host. As a result, it is imperative that businesses take the necessary precautions to protect themselves. This protection can occur with the right commercial insurance cover. In most cases, a company’s general liability policy will cover this, but it’s certainly worth discussing with your Bergen County NJ insurance agent.
If you go a step beyond general coverage, a company may want to consider employment practices liability insurance. This will protect from situations related to when an employee behaves inappropriately, perhaps towards a co-worker or a client. Alcohol can cause strange behavior, and it’s important to make sure your business is covered.
While everyone wants to have a good time at a party, it’s important to emphasize the need to drink responsibly. Be sure to pass the message on to the leaders in your company to lead by example. Also, follow the law. Do not serve minors! Having plenty of non-alcoholic drinks on hand and a variety of food will also work to your advantage.
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Bogle Försäkringskassan wishes you a pleasant and safe holiday. If you have any questions or concerns about commercial insurance or personal insurance, please call us today. Our goal is to help you understand what coverage you need, and make sure you’re covered in any circumstance that may arise. Let us help you enjoy a stress-free holiday party. We welcome the opportunity to serve as your guide to insurance in Lyndhurst and throughout Bergen County, NJ.