There is nothing quite like having a summer cookout and having friends over to play in the pool, enjoy conversation and soak up the sunshine. While having that amazing deck and pool at your house might make your home the cookout destination spot for your friends this summer…..it can also put you at risk for increased liability exposure. How can you manage your liability risks and still enjoy the summer festivities? We’re glad you asked! Check out some tips for lowering your liability exposure this summer!

1-) Be sure you have a higher liability policy. “Umbrella” insurance is also known as excess liability insurance. It is designed to help protect you from major claims and lawsuits and, as a result, it helps protect your assets and your future earnings. Umbrella insurance provides additional liability coverage above the limits of your homeowners, auto, and other policies. With risks such as a swimming pool, it is vital to have a higher liability protection policy. Your excess liability, or “Umbrella policy”, protects you from legal liability suits when the underlying liability limits on your home policy have been exhausted. Typically, Umbrella policies protect up to an additional $1 million worth of protection, however, higher coverage amounts are available as well. Having a pool presents a higher liability risk. Injuries that occur on your property can lead to liability law suits. An Umbrella policy isn’t expensive and provides essential asset and liability protection for you and your family. If you own a home, you should consider an Umbrella policy.

2-) Swim Safely.  If you have a pool, be sure that it is fully fenced in with a self-locking gate. Make it a rule that children are not allowed to swim alone during pool parties and that an adult must be present to supervise. Alcohol consumption also increases the risk of accidental drowning. If you are having a large pool party or cookout, it may be a good idea to hire a lifeguard for the afternoon to ensure safe swimming.  Most drownings occur with people nearby. Statistics show that most young children who drown in pools have been out of sight for less than five minutes.

3-) Keep pool chemicals stored securely. Exposure to pool chemicals can also be a liability exposure for you, especially if there are young children with access. Be sure to always keep chemicals and pool tools stored away safely. Keep your pool deck clear of clutter to avoid tripping and encourage the kiddos not to run around the pool as slip and falls are a common source of injury. Also, remember to always have a first aid kit nearby.

4-) Home Insurance Tips. If you have a pool, there are some common tips to decrease your liability exposure and help keep your home insurance lower. First, be sure to have a self-latching gate surrounding your pool/yard. The goal behind this is to make it harder for someone to stumble into the pool or to accidentally leave a gate open. Let your insurance provider know the pool is fully fenced with a self-locking gate. Second, diving boards and diving rocks are fun……but insurance is more concerned with safety than your perfect your diving skills. Statistically, diving boards cause more accidents. If you have a diving board, make sure it has traction strips to reduce slipping.

Following these tips can help keep your summer fun and accident-free! Here’s wishing you a summer full of sunshine, smiles, and awesome memories!

 

To get the tailored policy coverage that you need for your home, valuables, auto, LIFE, or business, call The CHOICE Insurance Team today at 757-416-5100 and ask for a free, comprehensive review.  Give us a call today!

 

All the Best,

The CHOICE Team

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In 2008 Choice Insurance Agency was created out of the former Realty Consultants Insurance Agency founded in 1980 by George Ayers Capt. USN Ret. Since 2008 the Choice Insurance Agency has more than tripled in size and is continue on a track of rapid growth. The Choice Insurance Agency focuses on four areas of expertise: Private Client Group, Coastal Coverage, Senior Programs and Commercial/Business Insurance. Our business model has allowed us to expand into all of the states on the Eastern Seaboard from New York to Florida including Pennsylvania and DC to better serve our ever-growing client base. As an Insurance brokerage stationed in Hampton Roads with access to well over 40+ insurance carriers, the Choice Insurance Agency is able to shop for the best rates, cover those picky coastal zones and create a tailored plan to fit your insurance needs. The Choice Insurance Agency. Call us today and see why we are the top “CHOICE” in Hampton Roads.

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