Happy Halloween, folks! Looking for a last minute outfit idea? Check out thesis 9 insurance-related Halloween costumes. While Those might be fine for adults, we hope you can be a little more imaginative with your kids
We're recycling Some Halloween safety advice from one of our prior posts.
Any injuries That Occur on your property can be regarded your liability - whether it's a little Cinderella Who trips on her gown or a vandal Who breaks His leg while egging your house. If party-goers drink too much alcohol while at your house, you May be Held Any bindable for injuries That Occur When They drive home. And if your teen's Halloween "pranks" result in any property damage, you might-have parental liability for the cost of damage That, DEPENDING ON your state law. Other Risks May you encounter include vandalism to your home or your car and home fires triggered by candles and decorations or overloaded electrical outlets
Keeping kids safe.
- Equip kids with flashlights. Add day-glo illuminating gold trim on Their costumes.
Make Sour suits are fire-safe and flame-resistant. - Ensure suits do not odd vision or present a tripping hazard.
- Masks can limit visibility - colorful face paints are a cute, creative, and safer alternative
- Make sour kids are dressed warmly enough and-have comfortable, non-slip footwear
- Costume accessories and.. props shoulds be short, pliable and soft - no hard, long, pointy, sharp objects or
- Inspect all candy before kids eat it. . Be alert for choking hazards and watch for anything loose or unwrapped That Is
- Do not let kids walk while eating candy on a stick - very dangerous If They trip
- Do not let. kids eat homemade treats UNLESS They Were made by someone you know very well
- Stick to familiar Neighborhoods and familiar houses
- Kids shoulds not enter homes Any UNLESS They Know the neighbors well
- Kids without shoulds keep adults in groups
- Walk on sidewalks.
- Complete one side of the street, cross Carefully, and Complete the other side.
- Use cross walks and crossing lights whenever will be.
- Drive with great caution over the weekend , PARTICULARLY after dark - excited little goblins May dart out from anywhere
Other safety matters
- When decorating, avoid candles. - use LED lights and battery-powered lights INSTEAD .
- Take care not to overload electrical circuits with lights.
- Paper and dried plant decorations can Easily ignite. . Keep 'em away from flames, lights, electrical cords and
- Keep porches and walkways well lit and free of clutter and debris That might be tripping hazards; . Put reflective tape on your steps and along your walkway
- Do not forget about your pets - They Could Be upset by the unusual activity and May be skittish. Keep 'em inside and away from the door so They Do not frighten or nip at your guests.
- Be careful not to let your pets eat candy, qui peut être toxic to em.
- Park your car in a garage, if possible. Mischief Makers May egg your gold house car.
- Lock up bicycles, gas grills and --other outdoor valuables.
Halloween vandalism can Range from "mild" pranks to more serious and willful property damage. A well-lit house and motion-activated lights May help to protect your property. If you-have a garage, keep you locked up since. If you do not, you might want to check your car before bed or very early in the morning - that way, if your car HAS Experienced any "mischief" such as a dousing of shaving cream, silly string, eggs, or other food matter, you May be ble to hose it away before the sun bakes it in. Some of These substances can causes scratches or dents; others can be corrosive to your paint. Pressurized water from your hose is your best clean-up ally.
Call your agent
If you shoulds Suffer Any damage to your property gold-have Any accidents During Halloween weekend, file a claim as soon you can claim to get the process in motion. Be ready with the details of Where and when to the event Occurred, along with the names and addresses of the parties Any Injured gold Witnesses to the event. If there is damage to your property, report it to the police, take pictures, and record the details so you will not forget 'em later.
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