What You Should Know About Hosting a Holiday Party 

Hosting a holiday party can be a joyous occasion, but it also comes with responsibilities, especially regarding insurance and legal liabilities in Texas. The following are some key points to ensure your event is fun and safe.

Understanding Social Host Liability

In Texas, social host liability refers to the legal responsibility of a person who provides alcohol to guests. Unlike some states, Texas does not hold social hosts liable for the actions of adult guests who consume alcohol and subsequently cause harm. However, there are critical exceptions, particularly involving minors.

Texas law strictly prohibits providing alcohol to anyone under the age of 21. If you knowingly serve alcohol to a minor and they cause injury or damage due to intoxication, you could face both criminal charges and civil liability. Always verify the age of your guests and avoid serving alcohol to minors.

Property Damage and Homeowners Insurance

If a guest damages your property during the party, you may be able to file a claim with their homeowners insurance. The liability portion of their policy may cover the damages. It’s a good idea to discuss this with your insurance agent beforehand to understand the specifics of your coverage.

Hosting a Holiday Party at a Venue

If you decide to host your party at a restaurant or bar, the establishment is generally liable for any damages caused by intoxicated guests, as they are considered the providers of alcohol. However, if you hire a bartender for a private event at your home, inform them of their right to deny service to overly intoxicated guests.

Safety Tips for a Successful Party

Keep the following in mind before you celebrate:

• Monitor alcohol consumption. Keep an eye on how much your guests are drinking. Consider hiring a professional bartender who can manage this for you.

• Provide alternatives. Offer plenty of nonalcoholic beverages and food to help balance alcohol consumption.

• Arrange transportation options. Encourage the use of designated drivers and ride-sharing services, or offer accommodations for guests who shouldn’t drive.

• Stay informed. Understand your insurance policy and Texas laws regarding social host liability to protect yourself and your guests.

Contact Us

Whether you’re hosting a small gathering or a large holiday bash, a conversation with your insurance agent can help you identify coverage gaps. Contact Licona Insurance Group to learn more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.