Winter is coming, and slippery roads, indoor fire hazards and a long list of other perils with it. Even though we carry excellent liability insurance, I’ve committed to avoiding accidents this year. We’re getting prepared early!
Common Holiday-Season Accidents and How to Avoid Them
Come holiday season, our house is brimming with friends, family, food and decorations. While it’s great fun, it also creates unique risks, and I’m not afraid to fully embrace my party-pooper reputation by pointing them out and explaining how to avoid them.
- Tripping hazards: Trips and falls can cause serious injuries. When decorating for the holidays, be sure to keep cords and wires well away from areas where people walk.
- Christmas tree fires: Faulty wiring, aging bulbs and open flames can all set your Christmas tree ablaze. Check electrical connections carefully, replace outdated accessories and keep candles well away from the tree.
- Space heater safety: Avoid running space heaters for extended periods of time, since they can overheat. Also, be sure to keep them well away from flammable materials and avoid obstructing them with objects.
- Food-related injuries and illnesses: Avoid cross-contamination by storing different meats on separate shelves in the refrigerator, and remember that improper thawing of turkeys can cause food poisoning. Also, stock up on oven mitts, because roasting pans and other cookware can cause serious burns.
- Dangerous decorations: My husband is an intrepid hero when it comes to hanging holiday decorations, and every year, I become more and more convinced he’s going to take a nasty fall while hanging our Christmas lights. He hasn’t – yet – but I like to think it’s because I insisted that he get a new, sturdy stepladder and use our daughter to watch out for him.
I’m also a stickler for maintaining our property. I (or, rather, my husband) shovels the snow promptly, spreads salt over ice that can’t be removed and makes sure our walkways and driveways are fully accessible. I advise that you do the same…your liability insurance may thank you for it.
Hot Tips for a Safer Fireplace
We used to have a fireplace in our old house, so I’m well-versed in fireplace safety. They’re a great way to stay toasty warm in the winter, but they can also pose hazards.
- Open up the damper before igniting the fire, and keep it open until all the embers are extinguished and the ashes are cooled off
- Never keep firewood, paper or any other flammable items anywhere near your fireplace
- Use a screen to stop flyaway sparks from creating fire hazards
- Have a professional clean out the chimney at least once a year, preferably at the beginning of fireplace season
- Test your smoke and carbon monoxide detectors to make sure they’re working
- Dispose of ashes with a metal container, and scatter them outside the house
- Do not continue to run a gas fireplace if the flame has turned yellow or orange; it should be blue, and if it isn’t, turn it off and call a repair professional
Don’t Be Caught with Inadequate Coverage!
One of my earlier posts talked about common insurance mistakes, and it generated a lot of questions from readers who wanted to learn more. I think the best way to make sure all bases are covered is to carry umbrella insurance, which essentially provides extensions on existing policies to make sure there aren’t any coverage gaps. You can learn more about it by checking out my previously article on the topic.
Liability Insurance: Get Great Service and Low Rates for Your Liability Insurance from a Progressive, Caring Provider
I’ve become a loyal customer of InsureMy, a forward-thinking new provider working in Alberta and Ontario. They’re ahead of the insurance industry curve, and they’ve adopted new techniques and technologies with open arms because they know that their customers are the big beneficiaries of progressive policies.
If you need liability insurance, property coverage, auto insurance or just about any other type of policy, you can count on InsureMy for great rates, friendly service, expert advice you can trust, and inclusive, generous service terms. Give them a call!