The holidays are here, and if you are one of the millions of Americans who will be hosting a gathering of friends and family this holiday season, your party to-do list is likely a mile long already. 

To ease the burden, you might consider turning to outside vendors to help with party logistics. From catering and valet to bartenders and decorators, having an extra set of arms and legs can go a long way to ensure your holiday party goes off without a hitch. But between deciding on the menu and going over decorations, it’s understandable why thinking through your related personal liability exposure isn’t top of mind.

Unfortunately, while personal liability doesn’t exactly excite much holiday cheer, overlooking such exposures can put you, your family and your assets at risk. To ensure a joyous — and safe — holiday season, here are four guidelines you should follow when engaging with vendors to reduce your liability exposure.

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