The Group of backdoor and responsibility

We are within weeks of the fall football season. Millions of rabid football fans drop food and favorite beverages in your vehicle and head of the football stadium parking. When they arrive, leave grills, tables and chairs will be set up, team flags and banners will go up, and ice chests full of drinks is great.

Now why would that spoil the festive party atmosphere with an article on accountability?

It's simple, my friends. I would warn about some very serious issues that could not only spoil the tailgate party, but drastically affect your financial future.

I will be talking about tailgate parties thrown by individuals and businesses, because some of the potential problems are the same.

Problem number one is their legal responsibility in the place of football. You are parked in a public parking lot. You can be parked in a private parking. But either way, someone owns the land on which you sit. Therefore, could be found legally liable if a guest is injured on their premises. The problem arises when you include their participation. If you're taking a space in your truck, van, bus or tent along with tables, chairs, bars, and such is increasing the number of things that could cause personal injury. Chairs of collapse, people travel in things, fly screens … and personal injury would not have occurred but for your tailgate party.

Problem number two is an injury to other contaminated food. Often, the parties go to the back door for many hours. The food sits out at the tables waiting for customers to load their plates. But if you get food poisoning from food they ate in the tailgate party, you could be held liable for your injuries, medical expenses, lost income from missing work, or even death.

To minimize the risk of contaminated foods, be careful to keep your hot foods hot and cold foods cold to her. Use dishes cutlery and plates and utensils. And refrain from serving foods that have a reputation for going wrong, like potato salad or seafood.

Problem Number Three: It is their legal responsibility to serve alcohol. If a guest is injured on the feast of the rear door, or the soccer field, or while driving home, or hurt others, because it is determined to be drunk, you could be held legally responsible for providing alcoholic beverages to him.

If you feel you must provide alcoholic beverages, consider a drink voucher system to limit the number of drinks served. Or, serve alcohol only a short period.

Serve plenty of soft drinks: water, soda, juice, coffee, tea.

Arrange transportation for intoxicated persons if they are leaving the tailgate with some of the alcohol in your belly. Call a taxi, use designated drivers, or get your house in your vehicle.

Do not sell alcoholic beverages at the tailgate party. No cash bar, no cash contribution bottle on the table. If an individual host sold alcohol at the party of the rear door, which probably would have violated the laws of the State Liquor.

Thus, the individual hosting the tailgate party has liability coverage for the party?

NO QUE NO! If you have an insurance policy homeowners, you have no liability coverage was built on the premises for activities such as a tailgate party. In Section II, Exclusions, E. Coverage E, 4. "Premises insured is not a guaranteed place" bodily injury or property damage resulting from a rented to an insured. "One could argue that if you paid for parking, rented the space occupied in the parking lot.But exclusion remains.

An individual with a tailgate party must purchase a one day event liability insurance to protect your assets.

Do you have a business of a tailgate party has liability coverage for the party?

You may have coverage based on the politics of responsibility you carry. In the commercial general liability coverage form CG0001, the "coverage territory" is defined as the United States of America. That protects you off-site locations.

Business – Remember that even if adequate insurance – called "host liquor liability insurance coverage law" – does not apply, and not to protect your business when alcoholic beverages are sold at your party. You must purchase additional coverage for liquor liability insurance before the party.

A business in a tailgate party should consider hiring a waiter separately or caterer to serve alcohol. He'll know better when to say no to a guest who has had enough. The hired waiter must have its own liability insurance and provide a copy of your insurance certificate before the party. Instruct the waiter / cook to notify an appropriate event handler if you find someone who had drunk too much.

Finally, not seen in this article as a "buzz kill". Note that I am the lighthouse on the coast, alerting the rocks and reefs. Avoid them, and their tailgate party will be a success!