Protect your couch from this | Jamiecat via Flickr

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If you plan to host a holiday party, check your policy for “social host liability,” a kind of coverage that protects a party host from liability when a guest who drinks at your party causes injury to others. Typical homeowners’ policies provide such coverage, but you should think about hiring a bartender who can regulate the flow of alcohol and keep an eye out for guests who need a ride home. Gotham Brokerage has been through a lot of holiday seasons in the city, and they know the special hazards holidays can bring. Knowing you’re covered for any possibility is one of the keys to being able to sleep in heavenly peace during the season. If you’re unsure about your coverage, contact Gotham Brokerage, and they’ll be happy to provide you with a free quote.

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