Skiing & Snowboarding Safety


It’s winter time again! (If winter ever decides to visit us in certain parts of the country.) January is National Safety Month for the National Ski Areas Association. The National Ski Areas Association (NSAA) reports that an average of 39 people per year a killed in the US as a result of a skiing or snowboarding accident. Around 50 people per year have life threatening injuries such as broken necks/backs, head injuries & paralysis.

Property Casualty 360 has published an article with a list of safety tips for all you skiers & snowboarders out there. They have a list of safety tips that every skier/snowboarder should follow. The article goes over each safety item in depth, here is a brief overview of the safety items they go over: Continue reading “Skiing & Snowboarding Safety”

Peripheral training may help to prevent sports concussion injuries

A recent article in the “” newspaper shares a new study that has been researched by the University of Cincinnati that may very well be a key to lessening concussion injuries in sports. Concussions in sports have been a big topic lately with the Will Smith movie “Concussion” that premiered on Christmas day.

For the past 5 years Dr. Joseph Clark has been with the Cincinnati Sports Medicine division training athletes to widen their peripheral vision. Dr. Clark claims that widening the peripheral vision by just a few degrees can give the player a second or two so that they can avoid an incoming hit.

Continue reading “Peripheral training may help to prevent sports concussion injuries”

Preventing Abuse/Molestation in Youth Sports

Unfortunately Abuse & Molestation is a very common problem not just in the world of youth sports, but in any situation where children are left in the care of an adult. Church groups, day care centers, youth sports, family fun centers, schools…it seems that no place is immune to this type of risk these days. According the US Department of Justice National Sex Offender Website an estimated 60% of abusers are known to the child but not the family. For example coaches, child care providers & neighbors. 23% of reported cases were perpetrated by individuals under the age of 18. Statistics report that every 1 in 5 girls and 1 in 20 boys is a victim of child sexual abuse.

So what can we do to prevent it?

Continue reading “Preventing Abuse/Molestation in Youth Sports”

Christmas Season Potential Risks

The Christmas season is a joyous time of sharing time with family, eating (or over-eating) tasty food & giving. “It’s the most wonderful time of the year. Unfortunately, the celebrations do not always end up wonderful. There are some very common accidents during the holiday which could be prevented by taking certain precautions.

Can you believe that according to the National Health Service around 1,000 people are injured by their Christmas tree? This can be from the tree falling on top of someone decorating a tree, a child tugging on an ornament, or a crazy cat climbing up the tree. Other injuries are caused by electric shock by cheaply made Christmas lights. And of course there also a chance of the lights from the Christmas Tree causing a fire in your house. In fact, you are 50% more likely to die in a fire during the holiday. (According to

Another risk is traveling for Christmas, the roads are crowded, everyone is in a hurry & weather can get bad. In order to make sure you have the best holiday ever you can follow these simple precautions:

  • Make sure that you have smoke alarms installed with fresh batteries
  • Do not allow children to play near the Christmas tree or tug on ornaments
  • Use caution when putting decorations high up on the tree or the rooftop & make sure that you have some help in case you lose your balance
  • Unplug your Christmas light if they are going to be unattended and at night
  • Keep any lit candles in a safe place where it can’t get knocked over & blow them out if they are not going to be attended
  • When traveling for the holidays be sure to give yourself extra travel time & don’t rush!

We hope that you and your family have a safe and wonderful holiday! We also offer Homeowners Insurance if you do are in need of coverage.



Canadian man sues over Mechanical Bull Finger Injury

According to an article by a Canadian newspaper The Citizen 100  a British Columbia man is suing two different businesses over a “avulsion” finger injury he claims to have received while riding a mechanical bull an event by L.A. Promotions and Tent Rentals at its Family Fun Centre. Both the event promoter & the property owner are being sued. The man is suing for “past and future loss of income and future earning capacity among other types of damage.” (The Citizen 100)

There are two things to get out of this story. The first is something that we always tell are event planners & special event promoters. When someone is injured at an event they will often times not only sue the owner of the device they were hurt on, but also event planners, the venue, rental companies, manufacturers of devices & any one else they can find potentially responsible. This is why it is important to have liability insurance…can you afford to pay for legal costs to defend your business & the possible damages you may have to pay out?

The second thing that we would like to mention is that this type of finger injury IS possible on a mechanical bull. We have actually had a claim come in where the participants finger was actually pulled off because he had his finger looped in the rope when he was bucked off of the bull. The claim was closed with $50,799 paid out. Does that sound like something you can afford?

News Source:

Cheerleading injuries are less common…but more severe


An article by CBS news states that a study published in “The Journal of Pediatrics“, found that cheerleading injuries rank 18 out of 22 high school sports. This means that cheerleading has one of the lowest injury rates. However, the study found that the severity of cheerleading injuries were second only to gymnastics. Concussion was the most common injury, following sprains, muscle strains and fractures.

Continue reading “Cheerleading injuries are less common…but more severe”

“You’ll Shoot Your Eye Out!”, Most Dangerous Toys of 2015


Did you get your child any of these “dangerous” toys for Christmas? Property Casualty 360 reported a list from HealthGrove of the 22 toys that have caused the most injuries in 2015. Some of the results are quite unexpected, and no a Red Ryder BB gun is not on the list (although toy guns are).

Here is their list beginning with the least dangerous to the most dangerous toy of them all!

22. Stilts : Can’t say that I thought of buying these for my child…but they suprising have the smallest amount of injuries out of the top 22, with 139 injuries per year. Could this be because stilts on the hot toy list for Christmas? Continue reading ““You’ll Shoot Your Eye Out!”, Most Dangerous Toys of 2015″