Office Holiday Party | Insurance & Liability

Posted in General, Insurance Tips, Commercial Insurance, In the News, BPNEWS

During the holiday season, we tend to be merrier and indulge in things more so than we normally would. It is easy to get carried away with all the excitement in the air. If you are hosting a holiday party at your office this year, you must ensure you have done your due diligence in ensuring your staff’s safety.  


Office Holiday Party, Youngs Insurance, OntarioHosting an Office Holiday Party? Are you covered?

Hosting an employee holiday party is generally a way for employers to thank their employees for their hard work and dedication throughout the year. Unfortunately, when alcohol is mixed in, and a company doesn’t fulfill its due diligence, they can experience a wide variety of liability issues.

You always have the option of not serving alcohol at your holiday party, and hosting a breakfast or brunch is a great way of avoiding alcohol. However, if that isn’t something your organization is interested in doing, make sure you do your best to avoid being liable, by following our office holiday dos. In addition, it’s essential to review your insurance coverage with your broker.  

Office Holiday Party ‘Dos’

  1. DO - Communicate before and during the soirée that there is a ZERO tolerance policy when it comes to drinking and driving. In addition, it is important to advise the importance of drinking in moderation.
  2. DO - Ensure you look into additional alcohol liability insurance and check if your host liquor liability on your commercial insurance policy is sufficient if a claim were to arise – contact your broker.
  3. DO - Avoid offering an ‘open bar’ and only provide 1-2 drink vouchers (or less) to staff.
  4. DO - Have professional bartenders managing the patrons and ensure you have designated individuals looking for those becoming intoxicated.
  5. DO - Provide taxi vouchers and/or alternative transportation so no one drinks and drives.
If you are planning your office holiday party, it is important to speak with your insurance broker in advance to ensure you have the liability insurance coverage required. In addition, you can discuss and ask questions regarding policy limitations, exclusions, and conditions. Your broker will be able to assist you in selecting the appropriate coverage for your special holiday event, should you require it.

 >> Speak with a Youngs Insurance Broker Today! 

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