{"id":806,"date":"2017-09-06T13:23:17","date_gmt":"2017-09-06T13:23:17","guid":{"rendered":"https:\/\/pablobeach.shapiroinsurancegroup.com\/?p=806"},"modified":"2019-10-29T14:50:12","modified_gmt":"2019-10-29T14:50:12","slug":"insurance-tailgate-parties","status":"publish","type":"post","link":"https:\/\/pablobeach.shapiroinsurancegroup.com\/insurance-tailgate-parties\/","title":{"rendered":"Insurance For Tailgate Parties"},"content":{"rendered":"

Football season is certainly a highlight here in Florida, even rivaling the beginning of summer. Whether you are a Jags, Bucs, Gators, Knights, Noles, Dolphins or Hurricanes fan there is one thing that brings us all together – tailgating.\u00a0<\/strong>\u00a0Here in Jacksonville, we know how to do it right. We host the “World’s Largest Outdoor Cocktail Party” and have the most party-focused stadium at The Bank, so yeah, we know what we are doing. While we here at PBIG fully support having a good time this football season, there are some safety and risk management\u00a0items we have to mention. Trust us, this won’t be a boring list to keep you from having a great tailgate, we mean football, season.<\/p>\n

Preparation<\/h1>\n

Do the Hard Work At Home<\/strong><\/h2>\n

You want to do all the hard work involved in cooking at home so you can show up and relax at the stadium. Cut up all your vegetables, prepare your condiments and do marinades the night before you leave. Make sure you have plenty of ice in your coolers, and have plenty of storage options as well as trash cans\/bags.<\/p>\n

You might also want to pre-prep some food items or\u00a0poach certain meats so that they take less time to cook. This will streamline your grilling process while tailgating.<\/p>\n

Ride Sharing<\/strong><\/h2>\n

Unless you live close to the stadium, you are going to have to drive to the game. There are so many ride-share options available these days. If you plan on drinking, please consider either getting a designated driver or ride-share service. A ride-share\u00a0or cab will cost you a little bit of money, but it is far cheaper\u00a0than the ticket you’ll get if arrested under the influence; not to mention the terrible situation that could occur if you seriously injure\u00a0someone.<\/p>\n

If you really want to up your tailgating experience, consider going in with a group of friends and\u00a0rent a party bus. You’ll be the stars of the tailgate lot!<\/p>\n

Insurance<\/strong><\/h2>\n

You may be thinking, we aren’t planning on getting\u00a0THAT CRAZY, do I really need insurance<\/a>? While you may not plan on anything happening at your tailgate, you can not control what others do before, during and after the game. So, it is important to ensure that you are properly covered. While there isn’t insurance for tailgate parties specifically, there are some coverages you may want to consider.<\/p>\n

If you plan on driving to the game, ensure you have proper\u00a0auto Insurance coverage. Assuming you won’t be tailgating\u00a0alone, you\u00a0will probably have a packed car for your trip. Make sure you check up on your bodily injury liability limits.\u00a0 This coverage will pay damages for people hurt by you or others in an accident.<\/p>\n

Post-game certainly presents\u00a0the possibility\u00a0for accidents. Watch out for other drivers and make sure you have physical damage coverage on your vehicle. This can give you the coverage you would need if you were at-fault for an accident.<\/p>\n

You will also want to take to your agent about your Home or Renter\u2019s Insurance.\u00a0 When you are packing your car up with games, grills, and other stuff, remember that it is covered under your Homeowner\u2019s policy.\u00a0 The\u00a0personal property coverage<\/strong><\/a>\u00a0on your Home policy will follow you while you are traveling to the stadium.<\/p>\n

During the Tailgate<\/h1>\n

BBQ<\/strong><\/h2>\n