...something really scary
A sobering warning to folks who may encourage a little too much indulgence at parties they host. If one of your guests injures themselves or another, you may be liable and your house insurance liability coverage may not protect you.
Now for something really scary ... - Bankrate.com
http://www.bankrate.com/financing/insurance/now-for-something-really-scary/
“Depending on the jurisdiction, violations of social host laws can lead to civil or criminal fines, imprisonment and monetary damages awards,” says Loretta Worters, vice president of the III.
What does all of this buzzkill have to do with your homeowners insurance? “Your insurance may not be enough to cover a judgment against you as a social host,” says Worters. “If you are also charged criminally, then it is possible that your policy will not cover the civil judgment.”
(via Instapaper)
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