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Backyard parties are a blast, but only if no accidents occur! Indeed, barbecues, pools, fire pits and fireworks all pose very real risks, so it’s important that safety remains a priority during your summertime get-togethers.

Grill Safety

Grilling is a great way of cooking all your favourite summer foods, but burns and fires need to be guarded against. Be sure to take these precautions:

  • Teach your children not to touch grills.
  • Create grill barriers or mark out a zone around the barbecue that’s off limits to kids.
  • Keep a fire extinguisher or a bucket of sand nearby (never put out a grease fire with water, as this may cause it to spread).

Pool Safety

If you have a pool in your yard, you need to have strict safety procedures tin place hat household members and guests need to follow. Some rules to adopt include:

  • Children using the pool must be supervised by an adult at all times.
  • Children who can’t swim well should wear a life jacket or personal flotation device instead of relying on float toys like water wings and noodles to keep them afloat.
  • Intoxicated individuals aren’t allowed in or near the pool.

Firepit Safety

Only light a fire if you have a suitable firepit and there isn’t a fire ban currently in effect. Be sure to follow these important safety protocols.

  • Your fire pit needs to be on level ground and at least 10 feet away from your house, fence, trees and other structures.
  • Backyard fires should never be started with gasoline or kerosene, as doing so may lead to the fire quickly getting out of control. Use kindling and dry wood instead.
  • Once you’ve extinguished the fire with water, stir and spread the ashes and don’t leave until all embers are completely out and cool to the touch.

Fireworks Safety

To set off fireworks in Edmonton, you have to have a permit, be on a private rural property and ensure that there is no fire advisory or fire ban (during which lighting fireworks is prohibited). Moreover, you should take the following precautions:

  • Follow the fireworks manufacturer’s instructions to the letter.
  • Keep everyone at a safe distance, and back up immediately after lighting fireworks.
  • Never try to re-light or pick up fireworks that haven’t ignited fully.

Enjoy the Summer–Find The Perfect Homeowners Insurance in Edmonton!

At MBS Insurance Brokers, we know first-hand that accidents can occur when least expected, even during a relaxed summer barbecue. That’s why we encourage you to keep safety at the top of your mind. And it’s why we’re committed to helping you find a comprehensive insurance policy in Edmonton that protects you financially in the event of an accident. For more information about our services, contact us today.

How an Insurance Broker Saves You Time and Money

Do you know the benefits of an insurance broker?

Suppose you’re looking for the best insurance coverage at the best rates in Edmonton. In that case, you’ll first want to understand the benefits of an insurance broker and how they can help protect you in all sorts of different situations – whether it be saving you money, time or giving you simple peace of mind.

What Are the Benefits of an Insurance Broker?

Here are some of the many benefits of an insurance broker.

 

1. Saves Time

An insurance broker does all the work for you, so you don’t have to spend your valuable time shopping around for insurance. Instead, you simply provide your broker with information about your needs, and they shop the markets on your behalf.

 

2. Saves Money

Insurance brokers work with many different partners to find the best deals on the insurance that works for you. They take all your needs into account and make recommendations that are in your best interest. They have relationships with many insurance partners and can negotiate competitive rates and discounts, saving you money in the long run.

3. Expert Knowledge and Advice

An insurance broker provides you with the support and expertise you need to find coverage that suits your needs. They work with various products and services to find the coverage that best suits you. In addition, they can draw from an extensive knowledge base and experience to advise you on the best options. 

Insurance Brokers provide expert and unbiased advice. A wealth of knowledge about coverage and market rates combined with expert risk assessment ensures your possessions and business are adequately protected. Whether you are looking into auto insurance rates, tenant insurance, or home insurance rates, your insurance broker can help you every step of the way.

You can utilize their expertise to quickly identify your options and rely on their unbiased advice to help you make the best-informed decision for your situation.

 

4. Working For Your Best Interests

Since insurance brokers do not work with one particular company, they have nothing to gain from recommending a specific product. The insurance company also pays them a standard commission. Thus, there is no financial incentive to choose one insurer over another.

Insurance brokers have your best interests in mind. You can count on them to find you the best rate possible, which can give you the peace of mind you need. You can rest assured knowing that if you ever need to file a claim, one of our brokers will be there by your side to guide you every step of the way. They act as an advisor on insurance-related matters. They will shop the market for the best coverage and rates for you. Since fulfilling your needs is their only priority, they will provide independent, unbiased advice on the right coverage for your situation.

5. Privileged access and rates

Insurance Brokers have access to a wide selection of the best insurance companies in the country. These insurance companies are only accessible by Insurance Brokers. They do not deal with the public directly or with Direct Writers. Brokers enjoy long-standing relationships with these insurance companies. Still, they do not have an affiliation with any specific insurer, enabling brokers to provide you with a broader range of options at competitive rates.

 

6. Transparency

Insurance brokers must give full disclosure about their compensation and its effect on your insurance premium.  They are also required to declare any financial links with specific companies that may be a conflict of interest, enabling you to make the best-informed decision.

 

7. Risk and Advocacy Experience

Extensive experience dealing with different clients and claim situations equips insurance brokers with a broader perspective on how to reduce your risk. Also, in the event of a claim, you can count on your broker to act as your advocate with the insurance company and handle your claim fairly and promptly.

Speak to MBS Insurance in Edmonton about your Coverage

Reach out to MBS Insurance today to determine your home, auto, and commercial coverage options. Over the past 45 years, our experienced team of insurance brokers in Edmonton has earned the trust and loyalty of our clients by delivering superior products and services. We understand your needs and provide you with the best protection and rates.

There are many benefits of an insurance broker. We can help you understand the intricacies of your insurance plan while saving you money at the same time. We are a trusted insurance provider in Edmonton and provide personal and commercial insurance policies to people living in Alberta. We offer the best rates on recreational, auto, property, commercial, and group insurance policies. 

Contact us online for a free quote or by phone at 780-436-7880.

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This article was originally published on October 7, 2016, and updated for 2021.