It’s officially summertime, which means everyone in Philadelphia is looking forward to spending more time outdoors and visiting with friends and family. With the sunshine and outdoor parties, however, comes a warning: you could be exposed to risks if you’re holding a big event and someone gets injured. 
Depending on the circumstances, you may need special event insurance to help you on the big day. You might assume that you’re off the hook with a small barbecue and a few friends outside. Generally, if you have liability coverage under your homeowner’s protection, you might be right.
For bigger events, however, it’s worth looking into whether the coverage you have is adequate. Imagine you’re planning a wedding in your backyard, for example. Hosting all those guests, in addition to caterers, florists, photographers, videographers, musicians, and a setup crew could mean that an injury happens.
Event liability coverage as a form of special event insurance is strongly recommended and often required by the venue. If you are found responsible for damage or injuries caused by you or your guests at the party itself, event liability coverage can step in to pay for those costs. 
It’s very important to read through your policy carefully to verify what it covers. You should never head into a special event without analyzing your policy and instead just assuming that it will cover any accidents. For example, not every special event insurance policy will cover damages caused by your guests.
Serving alcohol at your barbecue, birthday party, wedding, or other event brings up a range of other questions and concerns. It’s strongly recommended that you find a policy with host liquor coverage to protect you. These policies pay out due to damage or bodily injury incurred due to alcohol serving or distribution. A general liability policy may cover this, but again, you need to read your policy carefully.
Before inviting anyone to your house, make sure you have looked around and removed, fixed, or attached signage to any potential hazards. It might seem silly, but that cracked cobblestone could cause someone to slip and fall, ultimately filing a lawsuit against you. Doing your homework ahead of time to review your special event insurance and taking care to remove any hazards on your property can go a long way towards minimizing your chances of an injury on your property or a legal claim arising from it.
Have you already been hurt on someone else’s property due to a hazardous condition? If so, you may have grounds for a personal injury claim, but you need to speak with a Philadelphia accident attorney. It’s never easy to think about filing a legal claim, but after a severe injury, you may have significant pain and costly medical expenses to deal with.