From our “Ask an Expert” files: “I have a question about some of the insurance exposures that arise when people host parties – especially during the Holidays. One of the main issues I am concerned about is how the homeowners policy of the host (our insured) would respond to claims where a guest drinks too much and later causes an auto accident. Would their homeowners policy cover them? Also, I’d appreciate any additional comments on other social-host exposures.”
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