Liability Risks of Halloween 2020

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Halloween 2020. Wow, what could go wrong? If this coming weekend is anything like the previous six months, plenty. With COVID-19, trick or treating will take on a different look this year, and so will your liability risks. I have read or heard of a number of ways homeowners are going to attempt to offer treats to the neighborhood ghosts and goblins – everything from shooting candy bars out into the street via a homemade cannon to handing candy out with kitchen tongs. No matter what changes you make, remember, you may be liable if an accident occurs. So, please, be creative but careful!

Here are some of the better ideas I have heard:

  • Set up a table with individual Dixie cups or bags containing candy. This will significantly reduce the number of touches that occur.
  • If you offer candy via a large bowl, have hand sanitizer available as well.
  • Attach candy bars to a stick and place the sticks in the ground in a well-lit area.
  • Decorate your hedges with individual candy bars.

As always, make sure wherever you choose to hand out goodies, it is well-lit and clear of any potential obstacles that could cause somebody to trip and fall. If you decorate and enjoy a good scare (who doesn’t?), make sure your setup is free of any hazards. Try to remove any leaves (when wet they are very slippery) or snow (depending on where you live, it’s possible!) from your driveway and walkway.

There are dozens of ways to ensure a COVID-19 safe Halloween. Like I said, be creative, but please be careful. On the bright side, you will probably already be wearing a mask!

The information above is of a general nature and your policy and coverages provided may differ from the examples provided. Please read your policy in its entirety to determine your actual coverage available.

Copyright © 2020 Central Mutual Insurance Company. All rights reserved.

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