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Liability problems during the holiday season

On Behalf of | Nov 23, 2021 | Premises Liability |

Opening your home or business to increased activity this holiday season is easy. But many homeowners do not realize the types of liability risks and challenges they are facing. By the end of the year, you may have no choice but to rely on the wide range of liability insurance options available in Texas.

Product liability

The Christmas holidays are a time for gift giving. This is the season when toys, jewelry, and countless other products are advertised, sold, purchased, returned, and exchanged. Among these millions of purchases, a good number of malfunctions occur due to the customer’s misuse or manufacturing defects.

Premises liability

Premises liability refers to accidents that occur on an owner’s property. During the holidays, there may be visitors walking to and from the driveway, walkway, and to the front door. Depending on how damaged the property is, any accident, especially a slip and fall, could occur in the person’s front yard and cause a serious injury. Property owners who don’t have premises liability insurance can be sued for negligence in failing to maintain the property.

Auto insurance

The number of fights and accidents often increases dramatically during any holiday. These include car accidents caused by both sober and drunk drivers. So the number of auto insurance claims will increase and flood the insurance companies. In addition to negligent driving, more drivers will take out claims for snow- or ice-related damages, as well.

Keeping your home and visitors safe

Planning for the holidays means understanding your liability options. Premises liability protects your guests from being injured on your property. Auto insurance covers you for a costly, near-fatal vehicular accident. That is why so many people are busy before the holiday season starts as they consider their liability insurance options.