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2/7/2012 - The III advises businesses to protect themselves in 2012


Office parties can create liability if alcohol is involved.

Whether it's to celebrate a holiday or thank employees for their good performance, companies often plan office parties. As a result, the Insurance Information Institute is encouraging companies to obtain the proper business insurance they need so they can protect themselves from liability.

The III indicates that 44 states have liquor liability laws, which allow individuals to sue a place of business that serves alcohol to people should they become involved in an accident that leads to injury.

"In many states you can be held legally responsible for your employees’ actions after they leave the party," said Loretta Worters, vice president of the III. "If you are throwing an office party where alcohol is served, you have a responsibility to make sure that your employees are capable of driving safely."

She added that if business owners are not sure of what policy will protect them from liability, it's typically covered under commercial general liability. However, they may want to check with their insurance agent, as policies can vary.

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