Do you know your host liquor liability?

by Erie Insurance on 

As a party host, you probably don’t want to think about your potential liquor liability. But it’s something you’ll want to consider as your party planning gets under way this holiday season.

That’s because most states hold party hosts who offer excessive alcohol to their guests responsible for those guests’ actions behind the wheel. In those states, anyone injured by a drunk driver has the right to sue the host of the party who served the alcohol. Sometimes, criminal charges may even apply.

Recommendations on how to host your holiday party

This doesn’t mean you need to call off your party. Instead, keeping a few things in mind may significantly reduce your exposure to social host liquor liability.

  • Limit guests to people you actually know—and seriously consider cutting from your list anyone who habitually overindulges.
  • Encourage your guests to choose a designated driver before they arrive.
  • Serve plenty of nonalcoholic drinks and food to help counter the effects of the alcohol.
  • Have activities like dancing or games going on that don’t involve alcohol.
  • Stop serving alcohol well before the party ends.
  • Offer to call a cab or be the designated driver for anyone who appears intoxicated.

To limit your exposure to liquor liability even more, consider:

  • Hosting the event at a restaurant or bar that has a liquor license rather than at your home.
  • Hiring a professional bartender. Pros may be better able to recognize the signs of intoxication—and it’s easier to cut off someone you don’t know. This is especially true if a bartender completed the ServSafe® Alcohol program.

As a final precaution, review your homeowners or renters policy. It may offer coverage for damages sought by someone injured by a party guest.

For more information on liability insurance, contact an ERIE Agent in your community.

Looking for a great deal on insurance?

Looking for a great deal on Auto, Home, Business or Life Insurance? Call us at (317) 886-0081 to discuss our options for you. You may also visit our website: Scott Lynch Agency

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Top Holiday Pet Safety Tips

by Jennifer Sonntag on 

The holidays are an exciting time of year full of get togethers, gifts and delicious food. While we’re focused on a season full of parties and fun times, a pet might think differently. Extra noise and visitors can leave pets feeling stressed. As we keep holiday and winter tips in mind for people, there are holiday and winter tips for our furry friends, too.

Here’s what to you need to know to keep pets safe this holiday season.

 

Food

We all know there’s an overabundance of food during the holidays. From sweet treats, to delicious meals, it’s easy to give in to the begging eyes of a four-legged companion. However, it’s important to note that just because food and drinks are people-friendly; it’s not the same for pets. Here’s a list of what foods to avoid giving your pet.

Say no to sweets. We’ve all heard that dark chocolate is dangerous for dogs, however, bread dough and cookie batter are just as dangerous. Dough can actually rise in your pet’s stomach, casing bloating and severe pain. Plus, just like their owners, pets can get salmonella poisoning from raw eggs in cookie batter.

Bones and beyond.  It’s tempting to offer your dog a special holiday “bone” right from the turkey your family just enjoyed. However, bones can get stuck in their intestines if they are brittle. On that note, make sure you dispose of bones carefully, just in case a sensitive nose goes sniffing where it shouldn’t.

Skin from a turkey is also a no-no. The skin is full of fatty juices and butter, and can be difficult for your pet to digest. High-fat foods can also lead to pancreatitis.

H2O only. While we know pets shouldn’t consume anything other than water, you may find your pet taking a sip or two from an unattended glass, filled with an adult beverage. While dogs love the smell of beer, the hops in beer are toxic to a dog’s system.

Spice is not so nice. On your pet’s digestive system that is. Sage is a popular seasoning used at Thanksgiving, and while it’s delicious for pet owners, it can cause pets to have upset stomachs or even more serious digestive trouble.

Nutmeg is another culprit that can wreak havoc on your pet. The popular spice used in pumpkin pie can cause seizures and central nervous system problems if your pet digests it. Pumpkin on its own is a safe treat for pets. Just avoid anything that is seasoned with nutmeg.

 

Decorations

From trimming the tree, to stringing the lights and all the holiday ambiance we create in between, decorations definitely pique pets’ curiosity this time of year. Here’s what to keep in mind when you’re setting up and displaying your holiday décor.

Trimming the tree. Cats have been known for seeing a Christmas tree as the ultimate climbing tower. Make sure your tree is securely anchored to avoid a serious fall. If you have a real tree, it’s important to keep pets away from the tree water, which can be a breeding ground for bacteria, not to mention toxic depending upon the tree food  you use. There are several recipes online for creating your own non-toxic tree food to keep your tree lasting throughout the holiday season.

Tinsel gets tangled. Tinsel is especially dangerous for cats. Its shiny appearance is a magnet for inquisitive cats. However, if ingested, the tinsel can wrap around the intestines or get balled up in the stomach causing severe pain and (expensive) surgical removal.

Ornaments are not toys. Holiday ornaments add an element of beauty and tradition to your Christmas tree, however, it’s important to recognize that glass ornaments could cut your pet’s mouth or digestive system if swallowed or damage their paws if stepped on.  Other ornaments to watch for are homemade salt ornaments. While fun to make, salt ornaments can be fatal to a pet because of the high amount of salt at one time.

DeLIGHTful holidays. Lights are everywhere during the holidays—indoors and out. Try to keep electrical cords out of the reach of pets. Inquiring minds could confuse lights as a new chew toy and end up with a shocking surprise.

Adding spark to the holidays. Make sure your pets steer clear, or better yet, can’t reach any candles this holiday season. While candles are an integral part of holiday celebrations and traditions, our pets aren’t as careful as we are. Make sure candles are out of reach of paws (and tails), or better yet, choose a flameless battery option that you can “light” without worry.

 

 

Holiday Plants

Holiday plants are often purchased or given to enhance a home’s décor during this festive time of year. Here are three popular holiday plants that can be dangerous  to pets.

Forgetta the poinsettia? Actually, this popular Christmas plant isn’t as dangerous for pets as people think, but it can make pets sick.  According to the Pet Poison Helpline, poinsettias have milky white sap that when ingested can cause skin irritation and mild vomiting and drooling. There is a low level of toxicity, if a poinsettia is ingested.

Holly doesn’t equal jolly. Your pet will be feeling anything but jolly, if a holly berry or leaf is ingested. Nausea, vomiting and diarrhea could occur almost immediately after your furry friend takes a bite.

Skip the kiss. If you find you and your pet under the mistletoe…run. Mistletoe, while fun to have around, is very dangerous for pets. If ingested, mistletoe can cause gastrointestinal and cardiovascular problems.

Your best bet? Purchase silk or plastic versions of these popular holiday plants to avoid any unwanted trips to the pet ER.

 

 

Seasonal Fun

It’s great to include your pets in family celebrations, holiday parties and holiday road trips. There are special considerations to keep in mind when your pets are involved with your holiday traditions.

Ringing in the New Year. Whether you’re ringing in the New Year with a small group of family or friends, or having a mini Times Square celebration in your house, make sure you think of your pet. Noise makers can scare pets or even cause damage to their sensitive ears, while confetti can get stuck in your cat’s intestines if ingested. An increased number of party-goers can also cause added stress to your pet. It might be a good idea to make sure your pet is in a secure and comfortable place before the clock strikes midnight.

Traveling with pets. From packing their “belongings,” to preparing for travel in a car or plane, pets have their own checklists for travel. Here’s what you need to keep in mind before you travel with your pet this holiday season.

Keeping pets warm. As the temperatures drop, it’s important to think of our four-legged friends. From dressing smaller dogs in sweaters or coats (gift idea perhaps?) to keep them warm, or booties to protect paws of all sizes, there are many “clothing” items and options available to keep our pets warm this winter. If your pet has to be outside during the day, make sure their enclosure is protected from the wind. Finally, keep your pet’s age in mind. Just as humans are more sensitive to the elements as we grow older, so are our pets.

If you’ve read through this post, you know we love our pets! They have special places in our hearts during the holidays and throughout the year. Enjoy this holiday season with your pets (and family).

Make sure everything in your home is covered this holiday season and beyond. Check out the ERIE Difference and see what we’re all about.

A Very Merry Mishap

To ensure that your family is properly protected this Holiday Season, call us at (317) 886-0081 or (317) 420-2867. You can also visit us online at: Lynch Insurance Agency

“observe the last Thursday of November next, as a day of Thanksgiving”

Washington, D.C.
October 3, 1863

By the President of the United States of America.

A Proclamation.

The year that is drawing towards its close, has been filled with the blessings of fruitful fields and healthful skies. To these bounties, which are so constantly enjoyed that we are prone to forget the source from which they come, others have been added, which are of so extraordinary a nature, that they cannot fail to penetrate and soften even the heart which is habitually insensible to the ever watchful providence of Almighty God. In the midst of a civil war of unequalled magnitude and severity, which has sometimes seemed to foreign States to invite and to provoke their aggression, peace has been preserved with all nations, order has been maintained, the laws have been respected and obeyed, and harmony has prevailed everywhere except in the theatre of military conflict; while that theatre has been greatly contracted by the advancing armies and navies of the Union. Needful diversions of wealth and of strength from the fields of peaceful industry to the national defence, have not arrested the plough, the shuttle or the ship; the axe has enlarged the borders of our settlements, and the mines, as well of iron and coal as of the precious metals, have yielded even more abundantly than heretofore. Population has steadily increased, notwithstanding the waste that has been made in the camp, the siege and the battle-field; and the country, rejoicing in the consciousness of augmented strength and vigor, is permitted to expect continuance of years with large increase of freedom. No human counsel hath devised nor hath any mortal hand worked out these great things. They are the gracious gifts of the Most High God, who, while dealing with us in anger for our sins, hath nevertheless remembered mercy. It has seemed to me fit and proper that they should be solemnly, reverently and gratefully acknowledged as with one heart and one voice by the whole American People. I do therefore invite my fellow citizens in every part of the United States, and also those who are at sea and those who are sojourning in foreign lands, to set apart and observe the last Thursday of November next, as a day of Thanksgiving and Praise to our beneficent Father who dwelleth in the Heavens. And I recommend to them that while offering up the ascriptions justly due to Him for such singular deliverances and blessings, they do also, with humble penitence for our national perverseness and disobedience, commend to His tender care all those who have become widows, orphans, mourners or sufferers in the lamentable civil strife in which we are unavoidably engaged, and fervently implore the interposition of the Almighty Hand to heal the wounds of the nation and to restore it as soon as may be consistent with the Divine purposes to the full enjoyment of peace, harmony, tranquillity and Union.

In testimony whereof, I have hereunto set my hand and caused the Seal of the United States to be affixed.

Done at the City of Washington, this Third day of October, in the year of our Lord one thousand eight hundred and sixty-three, and of the Independence of the United States the Eighty-eighth.

By the President: Abraham Lincoln

William H. Seward,
Secretary of State

How to Organize a ‘Trunk-or-Treat’ Event

by Jennifer Sonntag on 

There’s a new way to trick-or-treat that’s been gaining momentum in communities over the past few years. It’s called Trunk-or-Treat. Specific organizations or businesses partner with one another to offer a less-spooky alternative to the typical nighttime trick-or-treating Halloween event. It’s great for younger children and offers a shorter, friendlier Halloween experience.

All you need is a large parking lot, participating vehicles decorated for Halloween, and attendees to enjoy the fun. Here are some tips to help you plan a trunk or treat event:

  1. Location: The parking lot should be a decent size (a school parking lot or business parking lot is great). The location will also determine how many participants you can invite to the event. For example, if it’s at a school, will it be just for the school or can other community members and children attend? You’ll want to have enough room.
  2. Date: While it’s an alternative to Halloween trick-or-treating, it’s recommended that you stay away from the actual Halloween holiday. Typically the weekend before Halloween is a good idea or a different day leading up to the holiday will work. Check to see when your community plans to hold trick-or-treating and try to schedule your event a different day.
  3. Cost: Will you charge participants a fee to enjoy the Trunk-or-Treat? Or will the event serve as a fundraiser with donations going to a specific organization or cause?
  4. Find your trunks: If you’re hosting the event at a school, see if the PTO or teachers want to participate. Or, recruit local businesses to participate. Just make sure you allow trunk participants enough time to come up with an idea, decorate their trunk and purchase candy or treats to pass out.
  5. Safety First: On the day of the event, make sure trunk participants arrive at least an hour prior to the event start time. Have them set up, decorate their trunk and get ready for the children. If possible, it’s also a good idea to make sure families can park in a separate area away from the kids walking through the event space.

Think you’re ready to take on a trunk-or-treat event? Hopefully this list of tips will help you get started. And for other ways to make sure your Halloween is as safe as it is happy, check out these tips from Eriesense blog:

Halloween Safety Checklist
4 Lesser-Known Halloween Safety Tips
How to Prepare Your House for Trick or Treaters

Original Article