End of year or New Year's Eve Party Plans?

Hey everyone, amazingly enough another year is coming to a close and it is time to finalize the plans for either this weekend or Monday night. (Or for some, the party through the entire thing!) These times are always great for celebration with family and friends and can typically be completely enjoyable without incident or tragedy with a little thought and preparation.

First of all, be smart with who you are serving alcohol; I know that many times parents feel it is okay to serve alcohol to minors in their own home but my personal advice is this isn't a great practice, not considering the legal aspect but also from an insurance aspect as if an incident may occur due to the illegal service, most, if not all homeowners policies exclude acts that are performed illegally that result in liability claims.

Secondly, be smart with the amount of alcohol served! If you are allowing someone to consume more than their fair share of alcohol, it may cause problems with their attitude first off, but then it may create liability issues as well! If someone does happen to drink too much at your home, make sure to help arrange a designated driver, taxi or even let them spend the night.

This time of  year is meant to celebrate the past and be excited about the future, make the right choices so that it is purely a celebration!

From the staff at Advantage 1 Insurance, have a SAFE and Happy New Year's Eve and get ready for an exciting 2013!

Winter driving troubles! (Especially around the holidays!)

Last weekend South Dakota and Minnesota experienced a snow storm that reminded me of ones from my childhood! Lots of snow and wind and many nearly impassable roads.
Now, we all know the dangers of driving during these storms, but what about afterwards? This week has given us mild temps to induce slushy roads and large gravel and sand covered snow piles along roadways and in the middle of intersections, along with people driving the speed limit or greater to get all their holiday errands done. This creates a large number of a really ugly color tan vehicles with very minimal visibility driving at high speeds with visions of sugar plums and credit card bills in their head! It is a disaster waiting to happen! So please take extra care of keeping your windows clean and extra caution watching out for others and their bad habits!
Stay safe this holiday season and arrive at your destinations safely!