The Lutgert Insurance Blog

Recreational boating can be a wonderful way to spend time with family and friends. And making safety a priority can ensure that boating stays fun. If you plan to ride in a boat, canoe, or other water vehicle, take a minute to protect yourself and others from drowning.

  • Put on a U.S. Coast Guard-approved life jacket. Make sure all passengers put on a life jacket, regardless of distance to be traveled, size of boat, or swimming ability of boaters.
  • Do not use air-filled or foam toys, such as water wings, noodles, or inner-tubes, in place of life jackets. These toys are not designed to keep swimmers safe.
  • Don’t drink. Alcohol is involved in about a third of all recreational and boating fatalities.

ChristmasTree

As you deck the halls this holiday season, be fire smart. A small fire that spreads to a Christmas tree can grow large very quickly.

Picking the tree
• Choose a tree with fresh, green needles that do not fall off when touched.

Placing the tree
• Before placing the tree in the stand, cut 2” from the base of the trunk.
• Make sure the tree is at least three feet away from any heat source, like fireplaces, radiators, candles, heat vents or lights.
• Make sure the tree is not blocking an exit.
• Be sure to add water to the tree stand daily.

Lighting the tree
• Use lights that have the label of a recognized testing laboratory. Some lights are only for indoor or outdoor use.
• Replace any string of lights with worn or broken cords or loose bulb connections. Read manufacturer’s instructions for number of light strands to connect.
• Never use lit candles to decorate the tree.
• Always turn off Christmas tree lights before leaving home or going to bed.