OCTOBER 2020

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Blowing Up Your Turkey!

Have you ever seen a deep-frying turkey experience gone bad. Watch the video linked below and see what can happen when you combine an open flame, a pot full of 350° oil, and a frozen turkey - Watch out!

Did you know that according to both the U.S. Fire Administration and the National Fire Protection Association, Thanksgiving Day is the leading holiday for home cooking fires, followed by Christmas. Contributing to this statistic is the now popular way of cooking your turkey in a deep fryer! Deep fryer fires cause an average of 5 deaths and 60 injuries each year, in addition to $15 million in property damage. Whereas a standard homeowners insurance policy may cover the cost of damages to the home and property, do you know whether your insurance would cover any personal liability as a result of the accident? Call us to find out! You may also want to look at a personal umbrella policy that is designed to cover the expense of other, non-excluded liability events that exceed the value of your homeowner’s insurance policy.

CLICK HERE FOR SAFETY TIPS ON DEEP FRYING A TURKEY

When It's Not Your Fault

It should come as no surprise, but auto accidents spike over the Thanksgiving Holiday Weekend, consisting from the Wednesday before to the Sunday after the holiday. “There are 34% more car accidents on Black Friday, 25% more accidents on the Wednesday before Thanksgiving, and 20% more accidents on Thanksgiving Day compared to the two weeks before and after [the holiday].” Time.com So what happens if the accident wasn't your fault and the other person has no or very little insurance. With an average of 45,000 serious accident injuries and hundreds of thousands of dollars of vehicular damage each Thanksgiving, you just can't afford to take this risk. Uninsured and underinsured motorist coverage is an inexpensive way to help protect your finances if you're in an accident caused by an uninsured or underinsured driver. Uninsured motorist insurance protects you when an at-fault driver doesn't carry liability insurance. Underinsured motorist coverage steps in when an at-fault driver's liability limits are too low to cover the medical expenses of any injured people. Don't get stuck with huge bills because of someone else' mistakes! CALL US TO LEARN MORE & GET A QUOTE!

Does Your Business Deliver Food?

The food delivery trend has exploded over the last several years and it shows no signs of slowing down. Foodservice takeout and delivery is showing to have tremendous potential to maintain and grow profits when foot traffic is low. This service does, however, come with some additional risks to your business. According to the Bureau of Labor Statistics, transportation incidents are the cause for the vast majority of on the job fatalities. Since delivery drivers spend much of their time behind the wheel, the risk is especially salient for this job category. But it’s not just the driver who may be at risk here. If you have a delivery driver using their own vehicle and they injure another driver or damage property, your business may be liable. The standard auto insurance does not cover the use of personal vehicles for making deliveries, so the insurer can refuse the claim. And the settlement for that liability can be substantial. Even if the vehicles are company owned, there are liability details that you should be aware of. Other liability issues should also be considered with food delivery: employee injury due to falls and slips, crimes and theft perpetrated on delivery personnel, sickness as the result of delivered food, etc. At the very least, you owe it to yourself and your business to speak with a professional about your insurance needs. CALL TODAY FOR A FREE CONSULTATION!

Follow and Like us on Social Media to see posts on the following great information this month!

WEEK ONE: (This Issue) Fire & Smoke Damage Claims. WEEK TWO: Dangers of Deep Fried Turkeys for Thanksgiving. WEEK THREE: (Commercial) Businesses Liabilities with Food Delivery. WEEK FOUR: Holiday Drinking and Uninsured Motorists.

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