Put safety first this summer: Guidelines for boating and water safety
One of summer's greatest joys is heading to one of the beautiful beaches in Fairfield, Southport, or Westport or to your own pool to enjoy the warm weather. Before you pack the swimming and boating gear, consider this: most boating and swimming accidents occur because people don't stop to think about safety.
How can I prevent boating and swimming accidents?
The most tragic accident is the one that could have been prevented. By observing safety guidelines, you can reduce the incidence of boating and swimming accidents and keep your family safe.
- Never swim alone.
- Know your swimming ability limits, and those of your family, and stay well within them.
- Learn the proper way to dive; and always check the water depth before diving.
- Never chew gum or eat while swimming.
- When boating, carry a first-aid kit, as well as prescription medicine and any other personal care items you may need.
- Equip your boat with an AM radio in case of emergency.
- Everyone on board should have a personal floatation device.
- Leave the alcohol behind when swimming or boating. Of the nearly 700 boating fatalities in the nation each year, 21 percent are attributed to alcohol. Violators charged with Boating While Intoxicated face possible fines, jail and community service.
Can I be sued for an accident that occurs in or near my pool?
Yes. For this reason, you should check to make sure the limits of your homeowners insurance policy are adequate. If you are involved in a lawsuit and the court awards a settlement higher than your limits, you will be held responsible for the balance. To protect yourself, you will want to purchase an umbrella liability policy, also known as an excess liability policy. The Russell Agency can help you obtain and secure adequate coverage.
The Russell Agency is a full service independent insurance agency serving Southport, Fairfield, Westport and surrounding towns in Fairfield County and New Haven County, and all of Connecticut.