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It's Boating Season

7/15/2014

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WATERCRAFT INSURANCE
Most home insurance policies have limited coverage for boats. If you own a boat, watercraft insurance is your best bet. It covers theft, damage, and injuries or accidents while you're on the water, as well as some of your expensive watersports gear.
Every summer our team gets calls from customers after a fun weekend on the water takes a turn for the worse. Often these accidents could have been prevented with just a few simple precautions. Here are a few tips we like - courtesy of our partners at Safeco.

Be Weather-Wise.

Always check local weather conditions before departure. TV and radio forecasts can be a good source of information. If you notice darkening clouds, volatile and rough changing winds, or sudden drops in temperature, play it safe by getting off the water.

Life Preservers Aren't Just for Kids.
It's not enough to just have life jackets on board - wear them! In an accident, people rarely have time to reach for a life jacket. This rule applies to adults, not just children. More people in their 30's die in boating accidents then any other age group. Life vests have come a long way in the style category, and you can even get vests for your water-loving dog!

Watch the Back of the Boat.
Carbon monoxide kills in minutes. Tell your passengers where your exhaust pipes are located, and turn off your engine when people are in the water. Don't let passengers "ski" or "teak-surf" by holding on to the back of the boat. Carbon monoxide detectors are standard on most new boats; you can install devices on older boats for less than $100.

Alcohol and Boating Don't Mix.
More than 50% of drownings result from boating accidents involving alcohol. You don't drink and drive your car, so don't drink and drive your boat.

Boats Need TLC Too.
When you're out on the water, make sure your gas tanks are vented and bilges are free of vapors, oil, waste and grease. Carry a charged fire extinguisher. Have your boat's operating systems checked yearly by a certified marine technician.

Experience Counts!
The U.S. Coast Guard reports that operator error accounts for 70% of all boating accidents. Make sure anyone who drives your boat is properly trained. You can also earn boat insurance discounts from many insurers if you complete a boating safety course.



Contact us at ALINK Insurance Services for any of your insurance needs or questions, and stay safe this summer!
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4th of July Fireworks Safety

7/1/2014

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Independance Day is just around the corner. Here are a few safety tips from the American Red Cross  and the Consumer Product Safety Commission on how to handle those fun light-at-home fireworks:
  • Make sure fireworks are legal in your area before buying or using them.
  • Avoid buying fireworks that are packaged in brown paper because this is often a sign that the fireworks were made for professional displays and that they could pose a danger to consumers.
  • Never give fireworks to small children, and always follow the instructions on the packaging.
  • Always have an adult supervise fireworks activities. Parents don't realize that young children suffer injuries from sparklers. Sparklers burn at temperatures of about 2,000 degrees - hot enough to melt some metals.
  • Keep a supply of water close by as a precaution - a large bucket of water or a garden hose.
  • Make sure the person lighting fireworks ALWAYS wears eye protection.
  • Light only one firework at a time and NEVER attempt to relight a "dud."
  • Never place any part of your body directly over a firework when lighting the fuse. Back up to a safe distance immediately after lighting fireworks.
  • NEVER throw or point a firework towards people, animals, vehicles, structures or flammable materials.
  • Never carry fireworks in a pocket or shoot them off in metal or glass containers.
  • After fireworks have completed burning, douse the spent device with plenty of water from a bucket or hose before discarding to prevent a trash fire.

At ALINK Insurance Services, your safety and security are our primary concern. Please contact us with any of your personal or commercial insurance needs or questions. We're here to help!
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