Avoid These Thanksgiving Dangers

thanksgiving dangers

What do you think of when you think of Thanksgiving? Happy times spent with family, a delicious meal, maybe a football game on TV? You probably don’t picture putting out a fire in your kitchen or a trip to the emergency room! Unfortunately, too many people experience those events on Thanksgiving. In fact, Thanksgiving is one of the most dangerous holidays of the year!

 

Since we want all our clients to be happy and healthy through the entire holiday season. Lakewood Financial would like to offer some tips to help you avoid the most common Thanksgiving dangers:

Fire

Thanksgiving is the number one day for home cooking fires, according to the National Fire Protection Association (NFPA). We know with family around it’s easy to get distracted, so remember to closely monitor food cooking on the stove, and never leave your house with the turkey in the oven. Move anything flammable, such as kitchen towels or oven mitts, away from the stove, make sure all your smoke alarms are working, and have a fire extinguisher handy. Keep small children out of the kitchen when active cooking is taking place.

 

And don’t even think about deep-frying a turkey! It’s such risky business that the NFPA strongly discourages the practice.

 

Lit candles are another fire hazard to be aware of during the holiday season. Make sure they are at least three feet from anything that could catch fire, and never leave children unattended in a room where candles are burning.

Illness

Improper preparation and storage of your Thanksgiving turkey can result in serious illness, such as Salmonella poisoning or Listeria. Make sure turkey is thawed completely before cooking, and cook until internal temperature reaches 165 degrees Fahrenheit on a food thermometer. Remember to refrigerate leftovers promptly after the meal. Click here for more turkey food safety cooking tips from the Centers for Disease Control.

 

And it’s not just the turkey you should be careful with. Raw fruits and vegetables can also make you sick if they’re not washed thoroughly before you eat them.

Car Accident

With many thousands of people going “over the river and through the woods” to their Thanksgiving destinations, chances of car accident are much greater than normal. According to the National Safety Council (NSC), Thanksgiving is the third most dangerous holiday for driving, behind Independence Day and Memorial Day. In 2015, 386 people died in car accidents during the Wednesday-to-Sunday period of the Thanksgiving holiday, and the NSC estimated more than 50,000 additional drivers and passengers were injured. Sadly, many of these accidents are due to driving while under the influence of alcohol. Obviously you should never drink and drive, but we also encourage you to use extra caution to avoid other drivers who might not be so responsible. In addition, make sure everyone in the vehicle wears a seat belt, and put aside your phone or other devices so your attention is fully on your driving.

 

We at Lakewood Financial wish you a happy, healthy and SAFE Thanksgiving! As always, thank you for your business. Please feel free to call us at 941-747-4600, or contact us, if you have any questions about your insurance needs.

Starting a Side Hustle? You Might Need Commercial Auto Insurance

commercial auto insurance

Photo by Dan Chung on Unsplash

More and more people are starting side hustles, whether to make a little extra money to cover their bills, or to start their dream business. If you’re one of those people, you should consider buying a commercial auto insurance policy. It’s not just big businesses with multiple vehicles that need this coverage—it’s anyone who uses his or her vehicle for business reasons on a regular basis.

Personal auto policies almost always exclude business use, and if you’re in an accident, your claim could be denied. Be honest with your agent about the nature and extent of your business use of your vehicle so he or she can help you find the best deal on coverage you need.

Here are a few situations that call for a discussion with your agent about a commercial auto policy:

  • Do you use your vehicle to pick up or deliver goods such as newspapers, pizza, or other goods, or do you provide messenger services?
  • Is your vehicle registered or titled in the name of a corporation or partnership?
  • Do you have employees who drive your vehicle for business purposes on an occasional or regular basis?
  • Does your vehicle have special equipment permanently installed, such as ladder racks or permanent toolboxes that are used in your business?
  • Do you regularly drive to job sites or to meet clients, or sometimes transport clients from one location to another?

Bottom line: If you’re using your vehicle for business purposes, you need commercial auto insurance. 

Commercial auto policies are designed to protect you and your business from financial harm if you’re in an accident. Though there are many factors that must be considered when rating a commercial auto policy, since the major coverages are basically the same, commercial auto insurance doesn’t always cost more than a personal auto policy.

Lakewood Financial is a local Sarasota/Bradenton independent agency with the expertise to help you make sure your insurance coverage will protect your business and you personally from claims, even unwarranted ones. We represent a choice of financially strong companies, and will be able to help you buy the appropriate coverage at the best rates. Give us a call at 941-747-4600 and let us help you with your commercial auto insurance needs, or contact us by clicking here.