Are you doing any holiday entertaining this year? Your planning shouldn't end with the guest list and the menu. Before you welcome guests into your home, make sure that you've done everything necessary to ensure their safety and your own safety from a lawsuit.
How you treat your guests is more than a matter of good manners – it's a matter of law. As a host you are legally responsible for the safety of your guests, and you must take reasonable steps to make your home safe for your guests.
If you are sued by a guest who is injured at your home, and you haven't taken reasonable care to keep your guests safe, you will lose the lawsuit and have to pay damages to your guest for his or her injuries. You shouldn't lose the lawsuit if you have made your home reasonably safe.
You can be ordered to pay damages if someone is injured because you didn't fix dangerous conditions that you knew about (or you didn't at least warn your guests about). You could even be ordered to pay damages if you didn't know about the dangerous condition, but should have. You are required to inspect your home to find if something dangerous needs fixing – and then to fix it.
If you take common sense steps to prevent accidents in your home you are probably doing all that the law requires of you.
Just in case an accident does happen in your home:
Even if you have a homeowner's insurance, you should still take steps to ensure that your guests are not injured. You don't want anyone to be hurt while at your home. And. while your insurance company will pay the claim, being involved in a lawsuit can be a time-consuming and emotionally draining experience... and your insurance premium will go up.