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Prevent Kitchen Fires

Blog by Erie Insurance

There’s no doubt that some of the best holiday indulgences (turkey! cookies! cake!) come out of an oven, not a gift-wrapped box. But along with the many good things that originate in the kitchen throughout the holiday season, there’s something else that’s all-too-common: fires.

The kitchen is the most common origin for home fires and fire injuries, according to the National Fire Protection Association. Cooking is the leading cause. Burns are the third most likely cause of fatal home injuries, too, according to the Home Safety Council. (For kids, they’re the most likely cause of fatalities).

And now, for the kicker: November and (especially) December are two of the most common months for home fires to occur. But don’t throw in your spatula just yet.

“The good news is that you can prevent fires and injuries by taking simple precautions,” says Lorraine Carli, vice president of Public Affairs for the National Fire Protection Association. “Start by being aware of the risks.”
This holiday season, follow these no-nonsense tips for keeping you, your family, and your home safe.

HOW TO PREVENT BURNS DURING THE HOLIDAYS

Keep the kids away. Consider cordoning off the stove area with colored tape to teach little ones to steer clear of this danger zone.

Suit up. Roll up your sleeves and slip on long mitts. Loose clothing can catch fire while bare hands and arms are easily burned or scalded. Also, make sure to wear mitts when removing food from a microwave — things have a way of heating up more than you think.

Organize your stove top. Use the back burners and angle pot and pan handles toward the back of the range.This greatly reduces the chance of accidents that could lead to injury.

Put hot foods in their place. Position hot foods as far away from counter edges as possible. Anywhere else makes it easy for kids to topple dishes.

Skip the fancy linens. If you have young children, ditch the tablecloths and placemats. It only takes one tug to spill hot liquids and foods.

Set a (temperature) limit. Cap your tap water temperature at 120 degrees. “Faucet water that is too hot is a very overlooked source of scalds,” says Shannon McDaniel, spokesperson for the Home Safety Council. “It’s best to turn your hot water heater down to 120 degrees. If your don’t have direct access to your hot water heater or don’t feel comfortable handling yourself, call your gas or electric company.”

Know what to do in case of an accident. Treat burns and scalds immediately. “Even a little bit of heat continues to burn the skin for 24 to 48 hours if it’s not properly treated,” says McDaniel. To cool a burn or a scald, run the affected area under cold water for at least three minutes. Don’t put any ice or lotion on the injury, and always call 911 if your condition is severe.

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Thanksgiving Travel Guide

Blog by Erie Insurance

Thanksgiving is one of the busiest holidays for road trips. Whether you’re driving over the river or through the woods this holiday season, here’s what to know to safely (and sanely) arrive at your destination.

BEFORE THE DRIVE

Get your car in gear. Now is the time to make sure you’re on schedule with oil changes, wheel alignments and any other services your car manufacturer recommends. Also, make sure your tires are properly inflated — cooler weather can make the pressure drop more than usual.

Master the art of not getting lost. Have all your addresses handy, and consider inputting them into your GPS before you set off. If you plan on using Internet-based map services like Google Maps, make sure to save the maps to your device — you never know when you’ll enter an area without service.
Related: Is your high-mileage car on track with this maintenance schedule?

Bring backup chargers — and lots of them. Things can quickly go south when devices run out of power. Bring extra chargers — or, even better, invest in a multiple-port car charger.

Stock your emergency kit. To quote your mom, safety first. Even if you’re only traveling to the next town, it’s essential to have a fully stocked emergency kit, just in case.

Prepare for, “Are we there yet!?” Road trips with kids can create lasting family memories… but also test a parent’s patience. If you’re traveling with kiddos, make your trip more engaging with these 4 brilliant ways to keep kids occupied on road trips.

Don’t forget your furry friends! Traveling with Fluffy or Rover? Then make sure you have a safe pet harness and/or pet carrier and a pet kit full of food, bottled water, toys and any necessary medications.


EMERGENCY ROAD SERVICE:  A TRAVEL ESSENTIAL

Picture this: You get a flat tire… but there’s still 200 miles to go before you’re home for the holidays. Do you know who to call for help?

A flat tire, lockout or a dead battery is a major hassle anytime, but especially during holiday travel. Fortunately, ERIE offers 24/7 Roadside Assistance that pays for reasonable auto towing and required labor costs at the site of your vehicle breakdown. (Yes… even at 2 a.m. on Black Friday.)

Emergency Road Service* is an optional add-on to your auto insurance policy that’s available with the purchase of comprehensive coverage.

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Craft the Right Protection

6 coverages every brewery, winery and distillery needs.

Professional brewer, vintner or distiller work hard to establish a business that produces a quality product. That’s why it’s so important to have the right insurance protection. This month’s blog features our client People’s Brewing Company, a local brewing company that has made its mark on Lafayette.

People’s Brewing Company – Lafayette, IN

The heart of People’s Brewing Company’s production facility is a 20 barrel brewhouse, designed and built by AAA Metal Fabrications. They have a three vessel system with a Mash and Lauter Tun combo, Kettle, and Whirlpool. Production started on Thanksgiving Day in 2009 with four 40 barrel fermentors and one 40 barrel brite tank. In 2011, two 50 barrel fermentors were added and bottling Farmer’s Daughter Wheat Ale, People’s Pilsner, Moundbuilder IPA and Mr. Brown Imperial Ale begun. In 2013, a 5000 sq ft addition to the production space was added, allowing for increased fermentation, finishing, and warehousing. Four 80 barrel fermentors and one 80 barrel brite tank were added at that time and also the ablility to start canning several beers. People’s dedicated brewery team works hard to produce fresh local beer for our community and beyond. Make sure to stop by and visit brewery for yourself. Learn more about People’s here.

ERIE Custom Collection® Breweries, Wineries and Distilleries Program.

At Deiwert Insurance, we offer the ERIE Custom Collection® Breweries, Wineries and Distilleries Program. This program offers 6 critical coverages and services:

1) Coverage through the package policy for common risks related to property, lost business income, liability, equipment breakdown and more.

2) Industry-specific protection for brewers, vintners and distillers if equipment suffers a mechanical or electrical breakdown, resulting in a covered claim or there’s a problem that occurs during the bottling process that requires product withdraw. There are options to customize coverage to meet specific and unique business needs.

3) A full suite of separate policy options such as workers’ compensation1, commercial auto and business life solutions.

4) Access to risk control tools and services to help you manage your business’s risks.

5) Local claims adjusters who stand behind ERIE’s promise of service.

6) A local, independent agent you can rely on from quote time to claim time and every time in between.

As a fellow business owner in the community, we know how important the right coverage at the right price really is. Contact us today to learn more and to get a free, no-obligation quote.

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Welcome to the Deiwert Insurance Blog!

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