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The Trick-or-Treater’s will be knocking on your door tomorrow night! It’s your responsibility as the homeowner and insurance policy owner, to prevent losses. Halloween is a huge liability exposure. By decorating, turning your porch light on, and handing out treats homeowners invite some of the most common, and most expensive liability claims.
To make it simple, any injury that any person might suffer while their feet are on you property can be considered your liability. Take a few moments and consider these important issue before inviting the neighborhood to knock on your front door:
- If you trip over the garden-hose everytime you walk to the front door, than don’t assume the little monsters own’t nearly break an arm when they trip over something on the way to your door. Be sure to move any obstacles from the sidewalk, driveway, and entry of your home.
- Use only outdoor approved lighting and don’t place any lit candles outside of your home.
- Be sure the area is well lit, and keep your lights on all night. Remember no matter how great the candy was at your house, Tricksters are still interested in causing problems. The best targets are dark homes where no witnesses will see the mischief!
- Eggs are very difficult to clean off the side of your house, and even worse when they hit the hood of your car. If possible park you car in a garage Halloween night!
- Be sure your pets are safely kept inside the house on Halloween. Not only are they at great risk of being frightened or hurt, but a dog bite claim is not what most of us expect when we’re handing out candy.
- You might be able to save some money on your child dental costs, in many cities local dentist will pay by the pound for candy turned into to their office. But, that’s a downer to me so I prefer to Eat It All Up!
- Most of all, be sure the treats you hand out are safe and individually wrapped.
Be sure to read the Insurance Blog tomorrow for some Fall Household Insurance Inventory reminders and stay tuned for some Home Owner Fall Maintaince Tips.
Related Blogs:
- Personal Risk Management
- Risk Management: Protecting Your Assets.
- What is “Risk?”
- Retained or Accepted Risks
- Controlling and Reducing Risks
- Eliminating Risks
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