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Hurricane Preparation Tips for Boat Owners

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Hurricane Preparation Tips
Prepared by National Marine Underwriters 

 

1. Develop a detailed plan of action to secure your vessel in the marina (if permitted). Alternatively, you may remove your boat from the threatened area or take your boat to a previously identified storm refuge. Specifically identify and assemble needed equipment and supplies. Keep them together and practice your plan to ensure it works before the hurricane season. Arrange for a qualified and capable friend or a licensed professional captain to carry out your plans if you are out of town during the hurricane season.

2. Check your lease or storage rental agreement with the marina or storage facility. Know your responsibilities and liabilities as well as those of the marina. 

3. Owners of non-trailerable boats in wet storage have options that include the following: 1) Secure the boat in the marina berth; 2) Moor the boat in a previously identified safe area; or 3) Haul the boat. 

4. Owners of boats remaining in a marina berth can take the following precautions: Double all lines. Rig crossing spring lines fore and aft.  Attach lines high on pilings to allow for tidal rise or surge. Make sure lines will not slip off pilings. Inspect pilings and choose those that appear the strongest and tallest, and are installed properly. 

5. Cover all lines at rough points or where lines feed through chocks to prevent chafing. Wrap with tape, rags and rubber hoses or leather.  Install fenders, fender boards or tires if necessary to protect the boat from rubbing against the pier, pilings and other boats. 

6. Fully charge the batteries and check to ensure their capability to run automatic bilge pumps for the duration of the storm. Consider backup batteries. Shut off all devices consuming electricity except bilge pumps, and disconnect shore power cables.

7. When a hurricane is impending, and after you have made anchoring or mooring provisions, remove all portable equipment such as canvas, sails, dinghies, electronics, cushions, biminis and roller furling sails. Lash down everything you are unable to remove such as tillers, wheels and booms.

8. Maintain an inventory of both the items removed and those left on board. Items of value should be marked so that they can be readily identified. You should also consider maintaining a video or photographic record of the boat and its inventory in a secure location other than the vessel itself for future reference.

9. Consolidate all records including insurance policies, a recent photo of your vessel, boat registration, equipment inventory, and the lease agreement with the marina or storage facility. Ensure that you include the telephone numbers of appropriate authorities, such as the U.S. Coast Guard, Harbor Master, National Weather Service, and your insurance agent, and keep them on hand.

10. Do not stay aboard. Winds, during any hurricane, can exceed 100 mph and tornadoes are often associated with these storms. Above all, safeguard human life.



Posted On 9/1/2010 7:28:13 AM



Running a Home Based Business?

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Home Based Business Insurance
By: Jerry Nicklow API, AIS
Operations Manager
www.HuffInsurance.com

The popularity of home based businesses has deen on the rise over the past several years.  Although running your business from your home can be a smart, cost saving decision, it can create gaps in your insurance coverage.

 

If you’re working at home-STOP- and review your insurance coverage. Your homeowners insurance probably doesn’t cover your business. A typical homeowner’s policy provides only $2,500 coverage for business equipment which is usually not enough to cover all of the business property. You also need coverage for liability and business interruption.

To insure your business, you have three choices-endorsements to the homeowner’s policy, an in-home business policy or a small business owner’s package policy.

1) ENDORSMENTS

Depending on the type of business you operate, you may be able to add an endorsement to your existing homeowner’s policy. For as little as $14 a year, you can double your standard homeowner’s policy limits for business equipment from $2,500 to $5,000.

Some companies have begun offering endorsement that includes property and limited business liability coverage. Endorsements are typically only available for business that generates $5,000 or less in annual receipts. They are available in most states.

2) IN-HOME BUSINESS POLICY

The insurance industry has responded to the growing number of home-based business by creating in-home business insurance policies. For about $200 per year you can insure your business property for $10,000. General liability coverage is also included in the policy. A business owner can purchase anywhere from $300,000 to $1 million worth of liability coverage. The cost of the liability coverage will depend on the amount purchased.

If your business is unable to operate because of damage to your house, you in-home business policy will cover lost income and ongoing expenses such as payroll for up to one year. The policy also provides limited coverage for loss of valuable papers and records, accounts receivable, off-site business property and use of equipment.

In some cases, the companies that offer these polices require that you purchase your homeowner’s and auto policies from them.

3) BUSINESSOWNERS PACKAGE POLCIY (BOP)

Created specifically for small business, this policy is an excellent solution if your home-based business operates in more than one location or manufactured products outside the workplace. A BOP, like the in-home business policy, covers business property and equipment, loss of income and extra expenses, and liability. However, these coverage’s are on a much broader scale than the in-home business policy.

4) AUTOMOBILE COVERAGE

If you are using your automobile for business activities-transporting supplies or products or visiting customers-you need to make certain that your automobile insurance will protect you from accidents which may occur while on business.

In order to get insurance coverage that will not overlap with your homeowner’s policy or leave any exposures, you should consult with an insurance professional with experience in this field.



Posted On 8/31/2010 8:22:49 AM



Heat Related Illness

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Heat Related Illness

Summertime is in full swing, and that means activities and fun under the sun!  Whether you love putting on shorts and feeling the warm outdoors, or find it hot and sticky, everyone must be careful not to let a heat-related illness spoil the day.

Normally, the body has ways of keeping itself cool, by letting heat escape through the skin, and by evaporating sweat (perspiration).  If the body does not cool properly or does not cool enough, the victim may suffer a heat-related illness.  Anyone can be susceptible although the very young and very old are at greater risk.  Heat-related illnesses can become serious or even deadly if unattended.

Preventing Heat-Related Illness

-Dress for the heat.  Wear lightweight, light-colored closing.  Light colors will reflect away some of the suns energy.  It is also a good idea to wear hats or to use an umbrella.

-Drink water.  Carry water or juice with you and drink continuously even if you do not feel thirsty.  Avoid alcohol and caffeine, which dehydrate the body.

-Eat small meals and eat more often.  Avoid foods that are high in protein which increase metabolic heat.

-Avoid using salt tablets unless directed to do so by a physician.

-Slow down.  Avoid strenuous activity.  If you must do strenuous activity, do it during the coolest part of the day, which is usually in the morning between 4:00 a.m. and 7:00 a.m.

-Stay indoors when possible.

-take regular breaks when engaged in physical activity on warm days.  Take time out to find a cool place.

If you recognize that you, or someone else, are showing the signals of heat-related illness, stop activity and find a cool place.  Remember, have fun, but stay cool!

Know What These Heat-Related Terms Mean

-Heat Wave.  More than 48 hours of high heat (90 degrees F or higher) and high humidity (80% relative humidity or higher) are expected.

-Heat Index.  A number in degrees Fahrenheit that tells how hot it really feels with the heat and humidity.  Exposure to full sunshine can increase the heat index by 15 degrees F.

-Heat Cramps.  Heat cramps are muscular pains and spasms due to heavy exertion.  They usually involve the abdominal muscles or the legs.  It is generally thought that the loss of water and salt from heavy sweating causes the cramps.

-Heat Exhaustion.  Heat exhaustion is less dangerous than heat stroke.  It typically occurs when people exercise heavily or work in a warm, humid place where body fluids are lost through heavy sweating.  Fluid loss causes blood flow to decrease in the vital organs, resulting in a form of shock.  With heat exhaustion, sweat does not evaporate as it should, possibly because of high humidity or too many layers of clothing.  As a result, the body is not cooled properly.  Signals include cool, moist, pale, flushed or red skin; heavy sweating; headache; nausea or vomiting; dizziness and exhaustion.  Body temperature will be near normal.

-Heat Stroke.  Also known as sunstroke, heat stroke is life-threatening.  The victim’s temperature control system, which produces sweating to cool the body, stops working.  The body temperature can rise so high that brain damage and death may result if the body is not cooled quickly. Signals include hot, red and dry skin; changes in consciousness; rapid, weak pulse; and rapid, shallow breathing.  Body temperature can be very high – sometimes as high as 105 degrees F.

Stages of Heat-Related Illness

Heat-related illness usually comes in stages.  The signal of the first stage is heat cramps in muscles.  These cramps can be very painful.  If you are caring for a person who has heat cramps, have him or her stop activity and rest.  If the person is fully awake and alert, have him or her drink small amounts of cool water or a commercial sports drink.  Gently stretch the cramped muscle and hold the stretch for about 20 seconds, then gently massage the muscle. Repeat these steps if necessary.  If the victim has no other signals of heat-related illness, the person may resume activity after the cramps stop.

The signals of the next, more serious stage of heat-related illness (often called heat exhaustion) include:

-Cool, moist, pale skin (the skin may be red right after physical activity).

-Headache.

-Dizziness and weakness or exhaustion.

-Nausea.

-The skin may or may not feel hot.

The signals of the late stage of heat-related illness (often called heat stroke) include:

-Vomiting.

-Decreased alertness level or complete loss of consciousness.

-High body temperature (sometimes as high as 105 degree F).

-Skin may still be moist or the victim may stop sweating and the skin may be red, hot and dry.

-Rapid, weak pulse.

-Rapid, shallow breathing.

The late state of a heat-related illness if life threatening.  Call 9-1-1 or the local emergency number.

General Care for Heat Emergencies

  1. Cool the body.
  2. Give fluids.
  3. Minimize shock.                                                 

For heat cramps or heat exhaustion: Get the person to a cooler place and have him or her rest in a comfortable position.  If the person is fully awake and alert, give a half glass of cool water every 15 minutes. Do not let him or her drink too quickly. Do not give liquids with alcohol or caffeine in them, as they can make conditions worse.  Remove or loosen tight clothing and apply cool, wet cloths such as towels or wet sheets. Call 9-1-1 or the local emergency number if the person refuses water, vomits or loses consciousness.

For heat stroke:  Heat stroke is a life-threatening situation!  Help is needed fast.  Call 9-1-1 or your local EMS number.  Move the person to a cooler place. Quickly cool the body. Wrap wet sheets around the body and fan it. If you have ice packs or cols packs, wrap them in a cloth and place them on each of the victim’s wrists and ankles, in the armpits and on the neck to cool the large blood vessels.  (Do not use rubbing alcohol because it closes the skin’s pores and prevents heat loss.)  Watch for signals of breathing problems and make sure the airway is clear.  Keep the person lying down.



Posted On 7/22/2010 11:09:55 AM



Pool Safety

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Every year about 43,000 people are injured in and around swimming pools and more than 600 drown in home or public schools. Half of the pools fatalities occur  in the yards of single-family homes.

Some pool safety tips:

  1. Never leave small children unsupervised-even for just a few seconds.
  2. Put fencing around the pool area to keep people from using the pool without your knowledge.
  3. Keep children away from  pool filters, as the suction force may injure them or prevent them from surfacing.
  4. Be sure all pool users know how to swim. Learners should be accompanied by a good swimmer.
  5. Don’t swim alone or allow others to swim alone; make sure there’s somebody nearby who can answer a distress call.
  6. Check the pool area regularly for glasses, bottles, toys or other potential accident hazards.
  7. Keep CD players, radios and other electrical devices away from pools or nearby wet surfaces.
  8. Don’t allow anyone who has been drinking alcohol to use the pool.
  9. Stay out of the pool during rain storms or when it’s thundering or lightening.
  10. Treat diving boards with respect. Never dive into an above-ground pool and check the water depth before plunging into in-ground pool. Also keep clear of the area near a diving board.
  11. Don’t swim if you’re tired or just finished eating.

Consumer Product Safety Commission

BACKYARD POOL:
Always Supervise Children, Safety Commission WarnsCPSC Document #5097

According to the U.S. Consumer Product Safety Commission, an estimated 350 children under five years of age drown each year in swimming pools, many in residential pools. The Commission estimates that another 2,600 children under age five are treated in hospital emergency rooms each year following submersion incidents. Some of these submersions result in permanent brain damage.

Nationally, drowning is a leading cause of death to children under five.

The key to preventing these tragedies is to have layers of protection. This includes placing barriers around your pool to prevent access, using pool alarms, closely supervising your child and being prepared in case of an emergency. CPSC offers these tips to prevent drowning:

Baby Leaning in Pool with Mom Running
  • Fences and walls should be at least 4 feet high and installed completely around the pool. Fence gates should be self-closing and self-latching. The latch should be out of a small child's reach.

  • If your house forms one side of the barrier to the pool, then doors leading from the house to the pool should be protected with alarms that produce a sound when a door is unexpectedly opened.
  • A power safety cover -- a motor-powered barrier that can be placed over the water area -- can be used when the pool is not in use.

  • Keep rescue equipment by the pool and be sure a portable phone is poolside with emergency numbers posted. Knowing cardiopulmonary resuscitation (CPR) can be a lifesaver.

  • For above-ground pools, steps and ladders to the pool should be secured and locked or removed when the pool is not in use.

  • If a child is missing, always look in the pool first. Seconds count in preventing death or disability.

  • Pool alarms can be used as an added precaution. Underwater pool alarms generally perform better and can be used in conjunction with pool covers. CPSC advises that consumers use remote alarm receivers so the alarm can be heard inside the house or in other places away from the pool area.
PARENTS AND GUARDIANS: ONLY YOU CAN PREVENT A DROWNING. WATCH YOUR CHILD CLOSELY AT ALL TIMES. MAKE SURE DOORS LEADING TO THE POOL AREA ARE CLOSED AND LOCKED. YOUNG CHILDREN CAN QUICKLY SLIP AWAY AND INTO THE POOL.

THE CONSUMER PRODUCT SAFETY COMMISSION CAUTIONS DIVERS ABOUT IMPROPER DIVING PRACTICES

Diving injuries can result in quadriplegia, paralysis below the neck, to divers who hit the bottom or side of a swimming pool, according to CPSC. Divers should observe the following precautions:

  • Never dive into above-ground pools. They are too shallow.

  • Don't dive from the side of an in-ground pool. Enter the water feet first.

  • Dive only from the end of the diving board and not from the sides.

  • Dive with your hands in front of you and always steer up immediately upon entering the water to avoid hitting the bottom or sides of the pool.

  • Don't dive if you have been using alcohol or drugs because your reaction time may be too slow.

Improper use of pool slides presents the same danger as improper diving techniques. Never slide down head first - slide down feet first only.




Posted On 7/15/2010 7:18:54 AM



SAFETY FIRST THIS 4th OF JULY

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SAFETY FIRST THIS 4th OF JULY

We're sure you too want to make it a memorable day for the right reasons.  But a moment's carelessness could turn it into an unhappy memory for some.  Make sure you're not one of them by following these safety tips:

FIREWORKS

•    Always read and follow directions
•    Use them only outdoors, one at a time
•    Don't use near dry or flammable materials
•    Don't throw them & keep a safe distance
•    Never try to relight of "fix" fireworks
•    Don't carry them in your pockets
•    Keep a hose of bucket of water close by
•    Always have an adult present

IN THE YARD

•    Follow Swimming pool safety rules.  You can get more information from the National Center for Injury Prevention at www.cdc.gov/injury/index.html

ON THE ROAD      

 

•    Please don’t drink and drive

•    Have a designated driver
•    STAY ALERT – Remember that other drivers may not be as wise and cautious as you!

                HAVE FUN!


 



Posted On 6/24/2010 3:18:03 PM