How Many Weeks Are In A Football Season latest 2023

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The Tailgate Party and Liability

We are only weeks away from the fall football season. Millions of rabid football fans will throw food and drink into their favorite vehicle and head to the football stadium car parks. When they arrive, barbecues will be put out, tables and chairs will be set up, team flags and banners will be unfurled, and coolers will be stocked with great drinks.

Now, why would I spoil this festive mood with an article on responsibility?

It’s simple, my friends. I want to warn you about some very serious issues that could not only ruin your holiday party, but also significantly affect your financial future.

I’ll talk about holiday parties thrown by individuals and businesses, as some of the potential issues are the same.

Problem number one: is your legal responsibility on the football site. You are parked in a public car park. You can be parked in a private car park. But either way, someone else owns the land you’re sitting on. Thus, they could be held legally responsible in the event that a guest is injured on their premises. The problem arises when your participation is included. If you take up space with your truck, RV, coach, or tent, along with tables, chairs, grills, etc., you add to the number of things that could cause injury. Chairs crumble, people trip, gates explode…and injuries wouldn’t have happened if it weren’t for your tailgate party.

Problem number two: is an injury caused to others by contaminated food. Often, tailgate parties last several hours. Food sits on tables waiting for guests to fill their plates. But if someone gets food poisoning from the food they ate at your party, you could be held liable for their injury, medical bills, loss of income due to absence from work or even death.

To minimize your risk of spoiled food, be sure to keep your hot foods hot and your cold foods cold. Use covered dishes and disposable plates and utensils. And avoid serving foods that have a reputation for being bad, like potato salad or seafood.

Problem number three: is your legal responsibility for the service of alcoholic beverages. If a guest injures themselves at the tailgate party, or in the football stadium, or on their way home, or injures other people because they are determined to be drunk, you could be held legally responsible for providing him with alcoholic beverages.

If you think you need to provide alcoholic beverages, consider a drink voucher system to limit the number of beverages served. Or, only serve alcohol for a short time.

Serve plenty of non-alcoholic beverages: water, sodas, juice, coffee, tea.

Arrange transportation for intoxicated guests if they leave the party with a bit of booze in their stomachs. Call a taxi, use designated drivers or take them home in your vehicle.

Do not sell alcoholic beverages at the tailgate party. No cash bar, no cash contribution pot displayed on the table. If an individual host were selling alcohol at the tailgate party, they would likely have violated state liquor laws.

So, does the individual tailgate party organizer have liability coverage for the party?

NO YOU DON’T!! If you have a homeowners insurance policy, you have no built-in liability coverage for off-site activities like a vanguard party. In Section II, Exclusions, E. Coverage E, 4. “Premises of the Insured is not an Insured Premise: “Bodily injury or property damage resulting from premises rented to an Insured. It could be argued that if you paid for parking, you rented the space you occupy in the parking lot, but the exclusion still applies.

A person hosting a tailgating party should purchase a one-day event liability insurance policy to protect their assets.

Does a company hosting a tailgate party have liability coverage for the party?

YOU CAN HAVE COVERAGE depending on the liability policy you take out. In Commercial General Liability Coverage Form CG0001, “Territory of Coverage” is defined as the United States of America. This protects you at offsite locations.

Businesses – Remember that even if you carry adequate insurance – called “host alcohol liability insurance” – it will not apply and protect your business if alcoholic beverages are sold at your party. You should take out additional liability insurance before the party.

A business hosting a tailgate party should consider hiring a separate bartender or caterer to serve alcohol. He will know better when to say “no” to a guest who has had one too many. The hired bartender must have their own liability insurance and provide you with a copy of their insurance certificate BEFORE the party. Ask the bartender/caterer to notify an appropriate event manager if they find someone who has had too much to drink.

In conclusion, do not consider this article as a “buzz kill”. Consider me the beacon on the shore, alerting you to rocks and shoals. Avoid them and your tailgate party will be a resounding success!!

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