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Don't Get Soaked Forgoing Pool Insurance
 
If you want to make a splash this summer, you're not alone. Some 7.4 million homes, yards, and patios across the nation currently sport swimming pools. Are you considering adding a pool for your recreational pleasure? If you are, the following steps will help ensure your pool is protected, making swim time safe and secure.

Check local laws - Laws vary by town and county, so check to see if what you are adding requires any permits or must adhere to any codes. And note: a fence, and possibly a deck, may be required for all pools in your area.

Contact your insurance agent - A pool increases your liability risk. You should make your insurance company aware of your addition and discuss proper coverage. If your homeowners insurance policy includes the minimum of liability protection, you may want to increase this amount. Also consider replacement coverage in the event your pool and other outdoor items are damaged by a storm.

Practice pool safety - Taking a few precautions can help prevent that liability claim. Try the following tips:
  • Install a fence. Even if your area doesn't require a fence, add one to keep small children from conducting dangerous unsupervised explorations of your pool. Over 3,400 drownings occur across the country each year. You don't want one of these to happen in your backyard.
  • Clear hazards. Glass bottles, toys, and other items can be dangerous if not properly stored. Radios and electrical devices are also potential dangers. Keep these items clear of the pool area or safely tucked away when not in use.
  • Be prepared. Keep a first aid kit and ring buoy at the ready. Learn water rescue techniques and CPR. Ensure all guests know how to swim before entering your pool.
  • Use nonslip surfaces, especially on the deck directly around the pool and on the diving board. And mark depths in a prominent way.

 
Company Events: Prepare Ahead for Potential Risks
 
Will you be hosting a company picnic this summer? Perhaps you're renting out a facility for a fun afternoon for employees and their families. Or holding a fall fair? These events can be great for morale and team building, but they also involve risk. Be sure to cover all your company liabilities with the proper insurance. Consider special event insurance.

What does it cover?

Special event insurance protects you from third-party claims in case of bodily injury or property damage. For example, if an employee's child breaks an arm on the obstacle course, or an employee's date sprains an ankle on the dance floor, you're covered in much the same way that you would be under general liability insurance.

What should you add?

In addition to third-party claims, your coverage can be tailored to include other needs. You can add property insurance to protect company equipment or the space used for the event, and cancellation insurance to cover costs for postponing or canceling due to weather or other issues. It's also wise to have employers' liability insurance in case an employee (not considered a third party under special event insurance) were to sue for an injury or illness that happened at the event.

Are you a party animal?

If you will be hosting more than one event this summer, you may want to create a policy that covers several months and includes coverage for multiple events. Policies can be written for one day or up to one year. Your agent can suggest the best option for your company.

 
From Butcher to Bun: The History of the Hot Dog
Hot dog
Along with nice weather, summer brings together two important pastimes: grilling and baseball. These popular activities share a common culinary theme: hot dogs.

Enjoyed in thousands of backyards each year, and by sports fans in stadiums across the country, the hot dog has become a summer staple. But where did the idea originate to grill a tube of meat, insert it in a bun, and load it with toppings?

In fact, both Austrians and Germans lay claim to the honor. Germans claim the "frankfurter" was created in Frankfurt, where Germans made thick, fatty sausages and coined the term "franks." But the Viennese point out that the name given to the first hot dogs was "wienerwurst." In the Austrian language (which is slightly different from standard German), "Wein" means Vienna, and "wurst" means sausage, so clearly they were Austrian sausages first!

Either way, we can thank German immigrants for bringing their native sausages with them to the New World, where they first sold hot dogs from pushcarts in New York City in the 1860s. Some stories claim the bun (or roll) was added simply so customers wouldn't burn their hands on the hot sausages.

As for the moniker "hot dog," legend has it the term was coined in 1902 at a New York Giants baseball game. The cold weather prompted one vendor to switch from supplying ice cream and sodas to hot sausages as a particularly apropos alternative. The call went out: "Get your dachshund sausages, red hot!" and the hot "dog" was born.

 
Summer Rental Insurance: Yours, Theirs or Both?
 
It's summer! Some families spend their summer holidays at a luxury resort, while others stake a tent in the woods. And then there's the increasingly popular option of renting a vacation home. This home-away-from-home getaway can provide a great setting for creating family memories - as long as you ensure you have the insurance coverage you need, because this responsibility rests with both the renter and the homeowner.

Proper insurance for you: As the traveler, you should be covered by your homeowners insurance policy in two ways:
  • Liability: If you accidentally damage someone else's property, your policy will help pay for the damage. So if the kids' indoor soccer game gets out of hand, you're covered.
  • Personal property: Your homeowners policy will protect your personal belongings, even away from home. However, coverage limits may be lower in this case. Additionally, recreational equipment such as boats usually requires a separate policy. Consult with your agent to ensure you have the coverage you need.
Proper insurance for them: The owner of the rental property should have proper coverage for the home. Be sure to verify that the owner has a homeowners policy with appropriate liability coverage, in case anyone is injured on the property as a result of owner negligence. The owner's homeowners policy should also cover any damage to the home that occurs from natural disasters.
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Recipe: Grilled Chicken Skewers with Tamarind Marinade
(Can't find tamarind? See * below)
Serves 4
1/4 cup tamarind concentrate
2 teaspoons minced garlic
3 tablespoons light brown sugar
1/2 tablespoon salt
1 tablespoon vegetable oil
1 1/2 pounds chicken tenderloins
Wooden skewers
Directions
Whisk tamarind, garlic, sugar, salt, and oil in a shallow dish until sugar is dissolved. Add chicken and toss to coat all pieces. Cover and refrigerate for at least 3 hours or overnight.

Soak wooden skewers in water for at least 30 minutes before using and preheat grill to medium high. Thread 1-2 chicken tenderloins onto each skewer. Place them on the grill for about 5 minutes on each side or until internal temperature reaches 160 degrees.

Using tongs, remove from the grill and allow to rest for 5 minutes before serving.

*Tamarind can be found in most Asian grocery stores, or mix equal parts of lime juice and additional light brown sugar as a substitute.
This newsletter and any information contained herein are intended for general informational purposes only and should not be construed as legal, financial or medical advice. The publisher takes great efforts to ensure the accuracy of information contained in this newsletter. However, we will not be responsible at any time for any errors or omissions or any damages, howsoever caused, that result from its use. Seek competent professional advice and/or legal counsel with respect to any matter discussed or published in this newsletter. This newsletter is not intended to solicit properties currently for sale.
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