Fourth of July Safety Tips

Celebrating the Fourth of July is a time for fun and festivities celebrating our Freedom but it's important to stay safe and mindful of potential hazards. Here are some safety and insurance tips to keep in mind:

General Safety Tips

1. Fireworks Safety:

   • Only use fireworks in open areas away from buildings, vehicles, and flammable materials.

   • Never relight a "dud" firework.

   • Keep a bucket of water or a hose nearby.

   • Ensure children are supervised and kept at a safe distance.

   • Follow local laws and regulations regarding fireworks.

2. Grill Safety:

   • Place the grill on a flat, stable surface away from structures, trees, and dry grass.

   • Never leave the grill unattended while in use.

   • Keep a fire extinguisher nearby.

   • Ensure the grill is cleaned and free of grease buildup to prevent flare-ups.

3. Food Safety:

   • Keep perishable foods chilled until ready to cook or serve.

   • Avoid cross-contamination by using separate utensils and plates for raw and cooked foods.

   • Cook meats to the recommended internal temperatures.

4. Water Safety:

   • Ensure children are supervised around pools, lakes, or beaches.

   • Use life jackets when boating or participating in water sports.

   • Be aware of and follow local swimming advisories or warnings.

5. Sun Safety:

   • Apply and reapply sunscreen regularly.

   • Stay hydrated by drinking plenty of water or consider adding an electrolyte packet to your water for an extra hydration boost.

   • Wear hats, sunglasses, and protective clothing.

Insurance Tips

1. Home Insurance:

   • Check that your home insurance policy covers fire damage and liability in case of accidents.

   • Review the coverage limits and ensure they are adequate for your needs.

2. Auto Insurance:

   • Verify that your auto insurance policy is up-to-date, especially if you're traveling.

   • Consider comprehensive coverage that includes damage from fireworks.

3. Health Insurance:

   • Know what your health insurance covers in case of injuries or accidents.

   • Have your health insurance cards and emergency contact information readily available.

4. Boat Insurance:

   • Ensure your boat insurance is current and covers accidents and liability.

   • Follow all safety guidelines to prevent accidents and avoid claims.

5. Umbrella Insurance:

   • Consider an umbrella insurance policy for additional liability coverage beyond your standard policies.

   • This can provide extra protection in case of major accidents or lawsuits.

Additional Tips

• Review Policies Annually: Regularly review your insurance policies to ensure they provide adequate coverage for your current needs.

• Document Belongings: Take photos or videos of valuable items in your home in case you need to file a claim.

• Emergency Contacts: Keep a list of emergency contacts, including your insurance agent, handy.

By following these safety and insurance tips, you can enjoy a safe and worry-free Fourth of July celebration.

Elizabeth Sclafani

elizabeth@bisrm.com

BIS Improved Insurance Agency

www.bisrm.com

BIS Improved Insurance Agency- Morris Plains, NJ (bisrm.com)