Nashville, TN (PRWEB) October 24, 2013
The insurance risks generated around this time of year can be as equally scary as the ghouls and goblins. Hosting any type of party, whether holiday related or not, creates an extra sense of liability that should be handled with precaution. Making sure best practices are implemented within the home is key to preventing unwanted accidents.
As a host or hostess, the best way to throw a holiday party is with safety and potential risk in mind. Because of the highly decorative nature of the holiday, Halloween creates a heightened risk for house fires, traffic accidents and alcohol related incidents. Here are a few preventative actions that can be taken to help avoid these potential tragedies:
1. Check your policy. Double check with your insurance agent to make sure your current policy covers any potential accident that could occur during the party. If the party is not being held inside the home, ask about an event liability policy for extra coverage.
2. Do not leave candles or electric decoration unattended. Fire damage is one of the leading homeowners insurance claims. Leaving candles and electric decorations unattended is a sure way to cause a house fire or burn accident. One of the best ways to protect against a house fire is by checking the battery life of the home’s smoke detectors on a regular basis.
3. Child safety. The hour with the most accidents on Halloween is from 6-7. It is normally dark at this time so make sure children are prepared by wearing reflective clothing and acknowledging traffic laws. If you are passing out treats to trick-or-treaters, try to only give pre-packaged candy.
4. Plan for transportation. If alcohol is served to guests 21 years or older, you can still be liable for an accident that occurs after the guests have left your home. To best protect your family, guests and home from alcohol related incidents, plan ahead for transportation after the party such as cabs or chartered buses.
Preventative action and safety precautions are the best way to protect your home and guests from tragic accidents. Always make sure to use these best practices when planning and call the agents at Royce Williams for any questions or insurance needs before the night of the party.
About Royce Williams Agency
Royce Williams Agency offers a wide range of affordable insurance options for residents of Nashville and the surrounding areas. They are focused on providing a higher quality of insurance services with up-front customer communication and affordable premiums. To learn more about the types of coverage they offer, including safe driver auto insurance discounts, home and renter’s insurance discounts, contact them at 615-356-4800 or http://www.insuringnashville.com.