Blog Layout
Kick Back and Enjoy Summer Parties Safely
thinksem-dev • Jun 10, 2014
While we all want to kick back this summer and enjoy the weather, we do have to be careful every time we entertain in our backyards or even when we just cook on the grill for our families.
Having a party at your home opens you up to a host of liabilities and potential problems. Besides causing injury and property damage, just one serious incident can cause you to have to make a homeowners insurance claim and even risk cancellation of your policy.
Here are some ways that you can protect yourself and your guest:
- Do you have a pool? If you do, make sure that any guests that you allow into your pool are capable swimmers. In addition, a responsible and capable adult should monitor activity in the pool at ALL times. Inexperienced swimmers should be accompanied by an adult in the water. And above all, no one should ever swim in your pool alone.
- Do you have a fire pit? Make sure it is installed or used at least 25 feet away from structures, overhangs, or flammable materials. In addition, it should be placed somewhere that is level, sturdy and non-flammable. Always have a fire extinguisher or water source nearby.
- Do you have a play set? Be sure that it is placed on level ground and that you have soft material underneath to provide a soft landing place. Bolts may become rusty and the set may be damaged over the winter, so be sure that you check it and perform any repairs or maintenance before allowing children to play on it. Children should always be supervised.
- Do you have a trampoline? These fun but dangerous contraptions can lead to some serious problems. Limit the number of people allowed on your trampoline at one time, and always supervise children. Prepare a set of rules for guests and expect that they always be followed. Be sure to install safety nets and other safety accessories to reduce the risk for injury.
And finally, the grill. Follow these grilling safety tips from the National Fire Protection Association:
- Only use propane and charcoal grills outdoors.
- Place grills away from the home, deck railings, eaves and overhanging branches.
- Keep children and pets away from your grill at all times.
- Keep your grill clean; remove grease and fat buildup regularly.
- Never leave your grill unattended.
- Only use charcoal starter fluid for a charcoal grill; never add charcoal fluid or any other flammable liquids on an open flame.
- Keep charcoal fluid out of the reach of children and away from heat sources.
- Let coals cool completely before disposing them in a metal container.
In addition:
- When grilling, always wear an apron and an oven mitt that fits up over your forearm.
- Never use a propane grill on a balcony, terrace, roof or enclosed area.
- Keep a fire extinguisher or source of water nearby.
- Know how to cut the fuel supply, extinguish a fire and call the fire department.
- Read the owner’s manual for your grill and follow all of the safety restrictions.
- Avoid breathing in too much smoke from your grill, and keep children and pets from breathing it too.
- Regularly inspect your grill for fuel leaks or obstructions. If you experience a problem, immediately turn off your control valves and the fuel tank, and disconnect everything. And assume everything you touch is hot!
- Don’t drink and grill! You need a clear head to stay safe (and keep the food delicious).
What safety concerns do you have for your outdoor patio parties this summer? Have you ever had a grilling accident? What safety precautions do you take?
There are many ways to make sure you are providing a safe work environment for your employees, and the techniques you use likely depend upon the type of business you are in. But there are some basic tips that every business owner can use to help create a safe workplace and avoid costly workers’ compensation […]
Recent changes to health insurance laws and regulations have promised to make it easier on those who need to find their own, private plans. While many wait for those promises to come true, the process can still be extremely frustrating. There are some important factors to consider while choosing a private health insurance plan in […]
Hosting family or friends for Thanksgiving can be stressful. It’s important to take your time in preparing your home and delicious holiday traditions so you are sure to follow proper safety guidelines and reduce the risk of injury or illness. According to the Centers for Disease Control and Prevention, clostridium perfringens is the second most […]
No two businesses are exactly alike. Contractors include a wide variety of businesses across a wide spectrum of industries. That’s why a one-size-fits-all insurance policy may not be best for your company. Contractors can include construction firms, carpenters, plumbers, cleaners, electricians, landscapers, painters, handymen, snow plowing operations, land surveyors, computer consultants and many more. A […]
Many individuals and families receive benefits from their employers that include health insurance, and in some cases even some basic life insurance. But many others work for small employers that cannot afford to offer these valuable benefits, and are on their own when it comes to protecting their finances from the devastation that can arise […]
Unless you have a crystal ball, and in that case business is booming, the uncertainties of small business management can create a lot of stress. General liability insurance can help alleviate that fear of the unknown by protecting your company’s assets and revenues when the unforeseen occurs. As well trained and reliable as your employees […]
Surety bonds are just one of the many ways you can protect your business. McInnis Insurance Agency offers fast-turnaround surety bonds as well as other types of business insurance for Louisiana contractors. And because every situation and contractor is unique, we can find the solutions that are best suited to your business. Surety bonds in […]
Nearly all employers in Louisiana must carry some form of workers compensation insurance. As a business owner, this form of insurance not only protects your staff from wage losses and other damages resulting from an on-the-job injury or death, it also protects you and your commercial assets from litigation resulting from the incident. There are […]
Whether your business is in trucking, construction, transportation services or delivery, commercial vehicle insurance is an imperative tool that protects your equipment, drivers and future in the industry. A commercial vehicle is considered any truck or vehicle that is used by an individual in the course of their business dealings and/or in the course of […]
Nearly 15 million Americans work a permanent night shift or regularly rotate in and out of night shifts, according to the Bureau of Labor Statistics. That means a significant sector of the nation’s work force is exposed to the hazards of working nights, which include restlessness, sleepiness on the job, fatigue and decreased attention. This […]
Minden, LA
119 Pearl Street
Minden, LA, 71058
318-377-1145
Homer, LA
