How to plan ahead for a safe, claims-free Super Bowl | PropertyCasualty360

Regardless of which teams are playing, the Super Bowl is a festive, annual event that prompts many Americans to throw a viewing party.Many of these parties include several guests and a large spread of food and alcohol.Plan ahead to make sure you and your guests avoid any accidents or injuries that ruin the big day.  It’s a good idea for insurance agents to review coverage with their clients before a Super Bowl house party. Review the liability section of a client’s homeowners’ or renters’ insurance policy and be sure policyholders understand the coverage they have in the event that they are sued and deemed liable for an accident involving one of their guests.RELATED Hosting a Super Bowl 50 party? Watch out for these 5 risksFollow these five tips to keep your guests and your home safe during your Super Bowl 50 party.Super Bowl of drunk drivingAnother big concern: driving while impaired or under the influence of alcohol. Unfortunately, Super Bowl Sunday has earned the reputation of being one of the biggest drunk driving days of the year. In California, there were 294 fatal and injury crashes on Super Bowl Sundays from 2009 through 2013 versus 166 for the comparable other Sundays — or 26 extra per year, according to the Los Angeles Times. In 2015, nearly half of all U.S. traffic fatalities were caused by drunk driving on Super Bowl Sunday, according to Mothers Against Drunk Driving (MADD).Drivers should remember that they are putting not only their lives, but the lives of others, in jeopardy when they choose to drink and drive. This Super Bowl Sunday, it’s important that everyone keep the following safety guidelines in mind:Alcohol: Be a responsible host & drink responsiblyIf you are hosting a party, offer a variety of non-alcoholic beverages to reduce the chance of impaired driving by guests.Serve lots of food — particularly high-protein dishes.Be aware of food allergies. An allergic reaction to food can be life-threatening. Ask your guests if they have any food allergies before you begin cooking .Consider hiring a professional bartender.Limit alcohol intake.Select non-drinking designated drivers in advance.Stop serving liquor toward the end of the evening — begin serving coffee and dessert.Encourage your guests not to drink and drive. Take the keys away from anyone who is thinking of driving while impaired. Remember, you can be prosecuted if someone you served ends up in a drunk-driving crash.Fans have a new way to “Party Safe” thanks to Tostitos providing a safe ride home via Uber. By simply entering a Tostitos Tortilla Chips UPC code into the Uber app, fans nationwide can receive $10 off their ride on February 5, 2017.

Source: How to plan ahead for a safe, claims-free Super Bowl | PropertyCasualty360

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