It’s easy to forget about the risks associated with Halloween. Some spooky perils may not be completely avoidable, but there’s a lot you can do to avoid a claim or lawsuit.
Being out in the dark. When it’s hard to see, you are at a higher risk of tripping or falling, especially in unfamiliar territory. You may not be able to see that a walkway is obstructed when you’re out in pursuit of candy. I believe this is also the only holiday where it’s completely fine to walk up to a stranger’s doorstep? Risky, indeed. It’s also hard for drivers to see pedestrians on the streets. If you’ll be driving this holiday, be aware!
Wearing costumes. They are a lot of fun, but they can sometimes be startling, hard to walk in, or made of flammable material. We wouldn’t want your costume to lead to an injury or a fire!
Putting up decorations. Candles and lights have fire risks and decorations can be hazardous to party guests or trick-or-treaters if they block a sidewalk or entryway. When decorating for the spookiest night of the year, be mindful of where you are placing your items, particularly ones that could be fire hazards.
Being in a crowd. Lots of people on the streets can be dangerous for both drivers and pedestrians. Be patient, whether you’re walking or on the road, and trick-or-treaters should always use and stick to the sidewalks. It can be difficult to stay alert and remember to look both ways before crossing when you’ve got a candy-induced sugar high, so take caution!
Hosting a party. Like any party, as the host you could face risks inviting others into your home. Be aware of the risks associated with serving alcohol, like what’s being served, who’s drinking, and how people are getting home.
Leaving your home or vehicles unattended. Halloween Day has an average of 24% more crime-related claims than any other day of the year. Halloween vandalism is not a joke. Take precautions to prevent against theft and vandalism such as egging or spray-painting cars.
If your business is hosting an event related to the Halloween season, you can buy special event insurance just for that event. This can go for any event you have with your employees. If you are having third parties who are not employees at the event, you can be opened up to third party liability. This can be the case even if you are only going to have employees and their families attending the event. You need to protect your business from any injuries that may occur at the event.
The ProAction Insurance Team wishes you and your family a spooktacular and safe Halloween!