A couple hosted a pool party for their teenagers. They did not provide any alcohol but someone brought some and made it available to the guests. After leaving the party, one teenager was severely injured in an auto accident and the injury was attributed to his consumption of alcohol.
This case ended up in a state Supreme Court which decided that anyone who sells or furnishes alcohol to a minor is responsible for the minor’s injuries and any injuries caused by the minor.
The court determined that the homeowners should have prevented the consumption of alcohol by minors on their premises. Both the homeowners’ and personal umbrella policies (PUP) paid for this claim.
According to Tod E. Aronson, AAI, CIC, CPIA, owner and president of E. R. Munro and Company, Pittsburgh, Pa., umbrella policies offer inexpensive ‘peace of mind’ for most types of negligence claims.
“Million dollar lawsuits happen,” said Aronson. “A personal umbrella policy provides an extra million dollar layer of protection for the homeowner.”
For more information on a personal umbrella policy, call E. R. Munro and Company at 1-877-376-8676 or visit the Web site at www.ermunro.com.
