My husband wants to allow his 20 year old daughter to have 20 plus college age friends to have a two or three day party at our lakehouse, unsupervised. I am opposed due to the legal liability if there is an accident. There will of course be heavy drinking and two boats at their disposal. He thinks his insurance policy will protect him if there is an accident. I think it's $5,000,000. Will it protect us if there is a serious accident in a lawsuit?