ANIELLO'S "TWO CENTS WORTH"

IN THIS ISSUE:
Tips To Keep Your 4th July Safe
Dry Drowning And Secondary Drowning: How To Protect Your Children
An Annual Insurance Review Is Crucial To Protect Your Business
4th Of July Recipes
Firework Displays on the 4th

ANIELLO INSURANCE WANTS YOU TO HAVE A HAPPY AND SAFE 4TH OF JULY SO WE HAVE PUT SOME SAFETY INFORMATION TOGETHER TO HELP YOU ENJOY THE CELEBRATION!

Between poisoned potato salad, firework-wielding teens, drunken drivers and treacherous undertows at the beach, the 4th of July can be a dangerous day, but you can take precautions to prevent disasters.

Fireworks
Fourth of July is known for massive fireworks displays all over the country. According to the Consumer Product Safety Commission, thousands of people are injured each year from fireworks-related injuries. An average of 10 people are killed each year due to fireworks displays going wrong. Here are some safety tips from the National Council on Fireworks Safety:
  • Alcohol and fireworks do not mix. Save your alcohol for after the show.
  • Only light one firework at a time and remember to stay at a safe distance
  • Have a bucket of water and access to a water hose in case sparks start a fire
  • Never experiment with homemade fireworks
  • Wear safety glasses when shoot fireworks

Food Poisoning
3,000 people a year die from food poisoning and the 4th of July, with those hot-weather, outdoor barbecues can be smorgasbords of disaster. The main culprits? Under-cooked meat, or mayonnaise-drenched salads sitting in the sun. The mayonnaise alone isn’t the culprit, but bacteria can fester in salads if they get above 40 degrees.
Tips : Keep cold foods cold and hot foods hot, and use separate coolers for drinks and food.

Car Accidents
On average, more people die in motor vehicle crashes on the 4th than any other day of the year. The Institute for Highway Safety found that on average, 118 people die in crashes on that day. Drinking and Driving is usually the cause so, if you can't stay close to home, be hyper-aware of other drivers and of course, DON'T DRINK AND DRIVE .

Swimming
The U.S, Consumer Product Safety Commission warned that the 4th of July holiday is particularly deadly. An average of 15 children die of drowning in pools and spas during the week surrounding the 4th.
The number one rule around water is that parents need to watch their kids like a hawk. They should not run in the house for one minute or turn their back. Most children drown between the hours of 4-8 on the 4th of July when backyard BBQ's get going and cocktails start flowing.

Boating
There is no better way to cap off Independence Day than by going out on the water with friends and family. But with increased amount of boats on the water, it's important you take safety precautions.
Wear a Life-jacket
Don't mix boating and alcohol
Make sure your boat is in good condition
Be watchful of the other boats on the water
Make sure your boat has safety equipment on board

HAVE A HAPPY AND SAFE INDEPENDENCE DAY
DRY DROWNING AND SECONDARY DROWNING :
DO YOU KNOW WHAT IT IS AND WHAT THE SIGNS TO LOOK FOR IN YOUR CHILD?

You may have heard of the terms “ dry drowning ” and “secondary drowning.” Those aren’t actually medical terms. But they do point to rare complications that you should know about and that are more common in children.
With dry drowning , water never reaches the   lungs . Instead, breathing in water causes your child's vocal cords to spasm and close up. That shuts off his airways, making it hard to  breathe . You would start to notice those signs right away -- it wouldn’t happen out of the blue days later.

Secondary drowning is another term people use to describe another drowning complication. It happens if water gets into the  lungs . There, it can irritate the lungs’ lining and fluid can build up, causing a condition called  pulmonary edema . You’d likely notice your child having trouble breathing right away, and it might get worse over the next 24 hours.

In both cases the child will have difficulty in breathing and in rare cases this can lead to death.
It does sound scary doesn’t it? Well, while it can be serious, this is extremely rare. However, if you keep an eye out for the symptoms, you can prevent the worst.

6 Warnings signs of secondary drowning or dry drowning in kids:
So how do you know if you need to rush your kid to the hospital?
Watch out your kid after he/she is done with a swim in the pool or beach. If one or more of these warning signs are there, understand that it may be a symptom of dry or secondary drowning. Give immediate medical attention.

1. Fatigue

2. Persistent Cough

3. Paleness, blue or grey lips

4. Labored breathing

5. Chest pain

6. Change in mannerism

7. Vomiting

Annual insurance review is crucial to your growing business

One of the biggest mistakes owners of growing businesses make is not keeping up their insurance coverage to account for the expanding assets and potential liabilities.
Let's say you started your business 10 years ago with just a small space and computer desk. Today, you have an office full of employees and equipment. If you still have the same insurance coverage you did a decade ago, or even three years ago, chances are that you are under-insured.
To make sure you have all of your assets covered, review your business insurance program annually. Circumstances change, and without an annual review, you could face substantial expenses if you suffer a loss.

It's common for small businesses to start out with basic insurances, such as commercial property and general liability policies. However, as the business grows, other types of insurance may be needed. 

Your agent should be ensuring that the following are reviewed:
  • Revenue - More business is good, but it also means a greater potential for liability. Have your annual sales changed?
  • Property - Have you added equipment, computers and such that would create a need to increase your commercial property policy's limits?
  • Location - Your business owner's or general liability policy could be affected if you've added, closed, or moved locations.
  • Travel - A hired and non-owned auto policy may be needed if your employees are frequently driving rented vehicles.
  • Employees - Have you had an increase in your workforce, turnover rate, or use of contractors? Consider employment practices liability insurance for high turnover rates. The more employees you add, the more you'll pay for your workers' comp coverage.
  • Services - Are you offering additional services? For certain types of work, you may need additional endorsements to your general liability policy.
  • Customers - Are you serving new clients or industries? This may cause problems with your professional liability policy if you're servicing high concentrations of high-risk clients/industries.

Aniello Insurance Agency would be happy to provide this service for you. We will work on fin ding you the best rates available for your needs.
Call Rick Aniello 702.259.0250
4TH OF JULY RECIPES:
MAIN DISHES, DRINKS AND DESSERTS
The best part of a Fourth of July party is the food but we tend to serve the same old stuff every year. Why not surprise your guests with some unique dishes that will take your party to another level?



FIREWORK DISPLAYS 4TH OF JULY At 9:00 P.M.
Caesar's Palace
Green Valley Ranch Resort
Red Rock Casino
Plaza Hotel Casino Downtown
Mandalay Bay Beach (10:30 pm)
Henderson's Heritage Park
Boulder City
Lake Las Vegas
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