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  • The Graduate's Guide to Insurance
    Congratulations! You’ve got your degree and you are ready to take advantage of the exciting new opportunities life has to offer. However, with new opportunities come new risks—particularly financial risks. Insurance is your major protection against financial risks, and knowledge about basic insurance facts can make you a better consumer.
  • Congratulations Class of 2012: Now It’s Time to Graduate to Your Own Insurance!
    It’s a rite of passage for college students to don cap and gown and march across the stage for graduation ceremonies- in fact, according to the National Center for Education Statistics (NCES) nearly 1.8 million students will graduate with a bachelor’s degree in 2012. As those 1.8 million make the transition from undergraduates to careers, pursuit of advanced degrees or back into mom and dad’s basement, it’s critical that they understand how walking across the stage may have changed their insurance needs.
  • "Burning Down the House" Should Be Party Soundtrack, Not Your Result
    Quick question: What national event will be celebrated by millions of Americans on Memorial Day weekend?

    Hint: It involves major partying, extreme danger, risk of major injuries, and bone-crushing crashes.

    Another hint: “Gentlemen, start your...”

    GRILLS!
  • Don’t Let Your Summer Boat Fun Be Pirated: Boat and PWC Safety
    As the summer ramps up and the warm days turn to hot days many people will be spending a lot of time out on the water. Whether you’re taking the boat out for a weekend or renting personal water crafts on a summer vacation, it’s important to remember the risks of boating and other water sports. The following tips will help keep you safe on the water and be prepared in the event of an accident.
  • Daylight Savings Time Sets Off Spring Cleaning—and a Safety Check
    The catchy phrase “spring ahead” signals change for Americans. It’s a reminder to move clocks ahead one hour for daylight savings time. And it’s an optimistic forecast that warmer and sunnier weeks are ahead. With these seasonal changes, millions take on “spring cleaning” of homes, garages, and yards.
  • Flood Insurance: What It’s All About
    Not so long ago, Hurricane Irene pounded the East coast of the United States, leaving a path of destruction in its wake.

    Unfortunately, for many people the storm was a painful reminder that flood damage is not covered by homeowners insurance.
  • Hail to the Chief: Presidents and Insurance
    If you were like many Americans over this past weekend you may have noticed an uptick in car dealership commercials featuring men in stovepipe hats and powdered wigs. That’s right, Monday was President’s Day, which began as a celebration of George Washington’s birthday (February 22) and was later expanded to include celebrations of Abraham Lincoln’s birthday.
  • Trusted Choice® Offers Super Bowl Party Playbook
    As millions of Americans prepare to host and attend Super Bowl parties, many may be unaware of the risks they may be taking.
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  • Get Deals, Not Steals:  Tips for Shopping Safely Online
    Thanksgiving is over, and the holidays are in full swing, which means stores and malls are bustling with holiday shoppers looking for presents to put under the tree. While some people enjoy the adventure of going from store to store in search of that perfect gift, others seek refuge from the holiday crowds by buying their gifts online.
  • A No-Keys New Years Eve
    This weekend, millions of people will ring in the New Year with friends, family, and loved ones. However, amidst all the festivities, toasts, and celebrating, safety can quickly take a backseat to a good time – especially when alcohol is added to the mix.
  • Holiday Fire Safety Tips
    Approximately 30 million people will celebrate the holiday tradition of buying and decorating a real Christmas tree this year, and thousands more will adorn artificial trees. With such high-value items present, a house fire originating from a Christmas tree can often result in thousands of dollars in losses, even if the fire is localized.
  • Halloween Safety Tips
    Halloween is just around the corner and many consumers may not realize how scary this ghoulish night might really be for their personal safety, their property…or their pocketbooks. Trusted Choice® insurance professionals can help families better prepare for Halloween hazards that may come in disguise or under the cloak of dark.
  • An Important Lesson Before College
    Each year, almost 16 million people in the United States, most of them between the ages of 18 and 22, leave the comfort of their homes to attend college. They will dive into textbooks, exams and other activities designed to prepare them for the “real” world. Or at least that’s what their parents hope they’re doing….
This Summer, Get In the Water—and Get Out, Safely

A cool swim on a hot day is an American tradition. As temperatures rise, most folks want to get into the water—whether at the ocean, lake or pool.

Pools present dangers, particularly for young kids. Each year, some 3,500 deaths—about 10 per day—are cause by drowning, according to The Centers for Disease Control and Prevention (CDC). And another 4,000 people are treated at hospital emergency visits total for injuries and trauma related to pool accidents.

The Consumer Product Safety Commission (CPSC) notes that drowning is the second-leading cause of injury death for children ages one to 14. Each year, 283 children under age five die in America’s pools and spas, a statistic that has worsened since the turn of the century. Most deaths and injuries related to pools occur on residential properties. Most involve children ages one to two, according to the commission.

Here are the problems that lead to children drowning in pools:

Unprotected pools. Pools must be treated as attractive nuisances, meaning children will want to get to them to play. One risk: Pools with a three-sided fence where the home forms the fourth side of the barrier. That simply means children can gain access to the water through a door rather than over a fence. Other problems include frost heaving that opens a gap in a fence gate, and wooden fences that rot and break.

“Little children are fiendishly clever and they can get away,” pointed out Dr. Jonathan Midgett of the CPSC. “For those brief moments when children elude us, we need layers of protection around our pools. The more obstacles between your child and the pool, the better! Fences need to isolate the pool from the house; have well-maintained self-closing, self-latching gates; and [have] back-up layers of protection, like sensors and alarms.”

Faulty equipment. Suction outlets in pools and whirlpools are a hazard to catch hair and fingers. Anti-entrapment drain covers must be secured in place.

No rules for the pool. Parents may rely on a neighbor, friend or caregiver/babysitter when children are in a pool this summer. Children must be made to understand that, whoever the authority figure is, they must respect that person’s directions. Make safety rules for the pool clear before anyone sets foot inside the pool area.

Poor supervision. Doctors put it bluntly. “Never leave your children alone in or near the pool, even for a moment,” advises the American Academy of Pediatrics.

The doctors’ group adds a rule of “touch supervision” with children younger than five years. This means that the supervising adult is within an arm’s length of the child at all times.

Children can drown in a pool full of people. This happens when no one adult is designated to supervise the pool or if the supervisor isn’t paying proper attention. The CPSC recommends at least one adult taking responsible for watching children around the water.

“This person should avoid distracting activities that can take their attention away,” explained Dr. Julie Gilchrist of the CDC. Distractions include: playing cards, reading, checking e-mail, and talking on the phone. In the time it takes to do these things, a child may quietly slip under water. “Drownings happen quickly and usually silently,” she added.

Anyone who owns or uses a pool should consider learning basic first aid and cardio-pulmonary resuscitation (CPR). “CPR can make a big difference by reducing the likelihood of brain damage in the few minutes it takes for 911 emergency responders to arrive,” Gilchrist, a medical epidemiologist, noted.

Swim lessons. Learning to swim is not just recreational, but a way to teach children how to save themselves, noted the CDC. Yet even strong swimmers must be supervised, no matter what age.

Any homeowner who has a pool—whether in-ground, above ground, or inflatable/temporary— should have liability insurance coverage, including umbrella liability coverage. Contact a Trusted Choice® insurance professional to review homeowners and liability insurance protection.

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