Tips for a responsible New Year's Eve party

First on the list is legal liability. Make sure your homeowner's premiums have been paid.

"In most cases, insurance companies will step up and to protect you there if you have that liability in place," Sweet and Baker Insurance Brokers President Bruce Calendar said.

The exception would be serving alcohol to those under 21 years of age. In those cases you might be on your own with no insurance back up.

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