RGI just insured a start up New Mexican restaurant for general liability, business property and workers compensation for $225/month
|
Rio Grande Insurance Blog
An odyssey preset that started with the imagination of a couple celebrating a 20 year commitment led to this one day in a an assortment of many dazzling high sea adventures, but this day was etched in my mind, as that’s the day this world traveler lost his mind but not the day. Let me explain.
Our story started tantalizingly enough, first waking up to the smell of bacon and eggs, only to learn that this country Greece, was now on strike, which meant no public transportation, but did I mention a great breakfast. It also meant a crowded 2 hour hike through downtown Athens avoiding all the protestors and the abundant show of military power now lining the streets. But what the heck, we are on holiday as they say on this side of the hemisphere. So go with it we did.
Our hike went well, as the walk did not cripple me nor fatigue any of my companions, and we reached our destination safe and sound. No cuts, no bruises nor excessive tear gas inhalation. SEGWAY ATHENS TOURS. Yes we were going to reenact “Paul Blaire’s Mall Cop.” Picture this, me, a 260 plus size on a two wheel mobil machine, capable of reaching speeds of up to 20 MPH, touring Athens with thousands of innocent people watching in amazement as this plump clown segways past them not knowing I am totally out of control. We segwayed through the Acropolis, then along restaurant row, literally passing by people having lunch. I could have hijacked a pizza or better yet a glass of vino, as we made our way thru historical Athens. I am surprised we did not Segway though any kitchens or help with the cooking it was that close …..seriously.
The ride was beyond fantastic to say the least, we rode mall cop’s Segway thru the second biggest tourist attraction in the world, with only two minor hiccups (wrecks) and one near hiccup (wreck). Not bad for our virgin flight, as we rocked and rolled our way to a heart pounding escapade thru time. We did something people looked at and wondered WTF, why ain’t I doing that. We rolled to the finish line happier then two Greeks drinking coffee and smoking cigarettes.
The success and jubilation of that accomplishment meant only one thing, high fives from everyone and some ice cold brewskies to calm our frayed nerves. So off we went to find a bistro that met our needs now in both the brewski and food category. After seeing all those delicious entree’s while segwaying thru restaurant row (the platka) we all had a craving for some local flavor like a Greek salad, gyro, souvlatki and one can not forget to mention 3 to 5 olive oil with balsamic. Oh and yes we did see “Windex” the Greek cure all for everything, including diarrhea. Our brew and food order placed, we started reliving our thrilling ride, sights, encounters and all that we had inhaled that glorious morning. Then the celebration came to an abrupt halt and the laughter stopped………….. Act 1……….. “The Dupe”…………..
That is when my iphone 4 (Apple plug), and my son in law’s phone were snatched right in front of us while having lunch. While dining at an outside bistro, an infestation of child like beggers (hint 1) and (now referred to as assholes) came begging at our table in droves (hint2) and put a large sheets of paper (maybe the size of a newspaper) (hint3) stating their falsified charitable need in English, while covertly snatching both my iPhone and my son in law’s phone like a magic act slicker then Segfried and Roy……..Act 2 “The Exit”……….
Before we swallowed our souvlatki we realized the dupe and these band of gypsies were now skipping (hauling ass) down the street with our devices. We were stunned, flatfooted and yes holding brewskis in our hands, not our phones………wow this only happens to other people and now we were the other people. I felt as though I had been left standing at the alter or worse yet being shown in public with my pants down or even worse yet robbed with the world watching, or even more worse, (the worst of the worst) those renegades absconding with our entrees, phones and our shorts.
I immediately asked my honey if I could borrow her Iphone (cheap plug) which she had carefully put away in her handbag and than wrapped around her wrist like a pair of handcuffs. I then tried to locate my phone, with the “find my iphone” app, but since my iPhone was off it could not be located via GPS. I then proceeded to remotely lock my iPhone and then sent the phone jackers a text message “F#*k you, you have 30 seconds before this device explodes”. Lastly I did a remote wipe of all data which was confirmed by Apple that the the phone had successfully been wiped clean an hour and fifteen minutes later once the thieves turned it on, so in essence the assholes stole a brick from me, and my son in law’s phone was already a brick. Being a trained insurance professional, I then contacted my carrier (ATT) to suspend service which is the prudent thing to do when calamity like this strikes, or if you have an auto accident, be sure to notify your insurance company immediately (shameless plug), another story………………Act 3 “The conclusion”……….
What this clearly meant to me now, was that I would no longer be able to communicate with the civilized world until I got back stateside and acquired the brand new Iphone4 S and for now my only method of communication would be using what God gave me, my mouth. How does that work? No phone no life since “the incident” of those gyspies stealing my brain (paradox for brain), and making me have to talk instead of text.
So there you have the high and low points. My personal high point will start when I get a new iPhone. Well that’s it for now, hope you all have insurance for something like this…….because I didn’t. When I get back to my stomping grounds, this will be an area of experience that I will pass on to anyone who asks me what kind of travel inurance do you reccommend?
Earlier we discussed some of the insurance coverages pertaining to wildfires, which we certainly see enough of here in the arid high-desert Southwest. However, we found out on Tuesday morning that there had been a magnitude 4.0 earthquake affecting the entire northeast quadrant of the state late Monday night September 12th - resulting in a “suspension of binding authority” on homeowners and renters insurance policies for at least a day as long as no aftershocks were experienced.
While a 4.0 magnitude (30,000/year = often felt, but minor damage) Richter scale earth movement may not provoke even a raised eyebrow in some of you considering events that happen elsewhere, there is still the real risk of structural damage and other kinds of “insurable losses,” as well as a possible wake up call that earthquakes can happen whereever you are – and that you should be considering insurance coverage for them!
While residents of California may be commonly aware that a homeowners policy does not cover any loss or damage due to earth movement (including earthquake), that’s likely because they are regularly presented with an option to buy additional earthquake coverage when they get homeowners insurance. If they have a loan on their house and are in any sort of earthquake-prone zone, then the lender would certainly require the insurance in order to close the loan.
Earthquake coverage, like flood insurance coverage, is something not included on a homeowners policy – you have to ask for it and/or buy it on a separate policy. The occurrence of a 4.0 earthquake in New Mexico this week has us all thinking of the possibilities and new realities of the potential for loss.
Some homeowners insurance policies for homes located outside of earthquake prone zones can allow you to consider “buying back” earth movement coverage for a few dollars a month. Other earth movement policies can be purchased separately.
While the chances may be low that this could affect you, this week’s occurence right here at home should have you considering the risk of not insuring against future possibilities. For details on earth movement coverage available for you, please contact one of our Rio Grande Insurance agents in New Mexico, Arizona, California or Utah!
As the whole world already knows beginning July 15, through July 18, 2011 the State of California along with the city and county of Los Angles will implement a full closure of the I-405 freeway to repair several bridges and add an additional HOV lane. The impact of this closure on traffic in an area that has 8 million drivers can only be imagined. I lived to tell of a similar experience in a smaller city, only 2 million drivers.
CARMAGEDDON my story:
It all started innocently enough, an air conditioned private limo tour for two. We went driving through the decades of Acapulto Mexico, first the rustic old town ruins, then trendy Acapulco where thousands flock annually for spring break and finally hotel row in new Acapulco where traffic had to be detoured to one lane while a new bridge overpass was being built to accommodate the ever increasing traffic to the area. We had to return by 3:30 PM sharp to make our cruise ship departure, or else we would be left behind, and it was on the return when we got stuck in “THE MOTHER OF ALL TRAFFIC JAMS” in of all places, Acapulco Mexico.
At 1:00PM we were 100 yards from the intersection where we needed to turn so that we could get back on time to catch our ship. That intersection was soon going to become “the Alamo”
At 2:00 PM we were 40 yards from the traffic light and it was literally a situation where nothing could move or proceed in any direction. The federales showed up with AK 57′s and more ammo then a infestation of sugar ants, but they could not deter the I earned my space onslaught of uninsured cars inching their way to the light. In the meantime in this gridlock from hell our limo started to overheat so now we had no air. The humidity was high and temperatures were even higher. Road rage was eminent, and no eye contact was being made, not even amongst ourselves. We were now starting to sweat like pigs in a Turkish steam bath and we did not have any guns. Some brave paper thin drivers were getting out of their cars to see if they could get the gridlock resolved. What could they hope to accomplish, they had no guns. Then before you could say WTF a gunshot went off and people started to hit the ground only to realize it was our limo backfiring from over heating.
At 2:30 PM our sweating had escalated to that of three sumo wrestlers going at it in the hot Nigerian sun. Our driver could barely maintain his grip on the steering wheel as other drivers now on foot tried to pull him out of the window. We were helpless and I did tell you we had no guns. And then he lost it, road rage acapulco style. He made a gutsy sharp turn over the curb into a gas station 25 yards from the road back to safe harbor.. We needed coolant in the worst way. Either that or watch my second car burn this year (another story). He rolled down our windows and turned the car off, and yes the wind was blowing and yes it was blowing in our direction, which meant when he took off the radiator cap which he did and it blew like I knew it would, both my honey and I looked like we had contracted small pox. Mental note cash deduct for the clothes.
At 2:40PM and two liters of coolant later the clock was ticking and every car horn in Acapulco was was now syncing their horns with the chaos. We were now sweating more than three pigmies locked in a porte potty in the Mohave desert. Do we stay the course with our driver or do we dump him like a bad highly contagious bacterial rash. We opted to give him 15 more precious minutes. Juan Carlos our driver started to merge into the intersection from hell along with 10 other frenzied cars turning from our two lane street. Exhaust fumes mixed with confusion, created a feeling of terror, affecting hundreds of people jockeying for position in this Bermuda triangle of cars. With this congestion you knew you could walk faster then the traffic was moving. Hell a one legged turtle on crutches could have moved faster. Then the miracle on 34th street happened, we made the left turn into the intersection moving in the direction we needed to be going without going metal to metal or worse yet GI Joe. Little did we know that we had driven from the frying pan into the fire. As we inched ever forward our limos temperature gauge skyrocketed to explode, so our worst nightmare was about to become reality…….. we were stalled and now this snail paced traffic came to a standstill, and life became surreal. People pounding on our vehicle seemed unreal. I thought this only happens to rock stars, yet here we were no longer sweating, we now needed a diaper change. Minutes seemed like hours.
At 2:55PM the driver behind us realized we were smoking more than a hot fire in Istanbul on a rainy day, so that driver plus hundreds more proceeded to lift our vehicle unto the sidewalk to get us out of the way. The vehicle behind us happened to be an Acapulco Port Authority transportation van. There is a God and our destiny was now in our new drivers hands as we left Juan Carlos standing next to his broken down limo on the sidewalk next to a trash can. Goodbye my friend, hasta la vista.
At 3:10PM gridlock was behind us and so was Juan Carlos and his smoking car, the Federales, and the mayhem at the Alamo. We survived and were now cruising in air conditioned luxury with smiles on our faces to catch our ship.
At 3:29PM we were at the port and our Carmageddon was over. We made it…………All aboard.
When you go into your insurance agent’s office to get homeowners insurance, you’re confronted with myriad questions and options are are likely concerned mostly with getting done as soon as possible and finding a fair price. Your insurance agent talks to you about “value” and “service,” but it sounds like more marketing talk.
It’s not. Your insurance agent really is there to help you. If ever there’s a good time to ask questions, to not stop until you understand everything, this is it! What could be more important than losing your home?
After you’ve written your homeowner’s policy, a few weeks later you get a thick packet in the mail. A document comprising a hundred pages or more gets removed from the envelope and you probably stow it away in a drawer. It might occur to you that some dark night when you’ve got no other reading material, that this long policy might make for some excellent reading to put you right to sleep. You’re right.
However, actually reading that policy can awaken you to a number of things, all of them sooner or later important, about your policy. Many people think that the document is constructed to be obtuse and “legalese” so that the insurance company can have their own loopholes to get out of coverages in court.
Did you know that the state department of insurance approves the types of coverage offered by those companies and will not let them wiggle out of things?
Those long, legalese documents contain plenty of added information about additional coverages that you have, of which you might never have been aware.
With this year’s prolific fire season, and especially the 3 fires surrounding the Santa Fe area right now, and excellent example of reading the fine print pops up: Prohibited Use.
It is a very real reality that thousands of people in our surrounding communities are being evacuated because of encroaching fire. In addition to the severe emotional hardship involved in distilling your belongings down to what will fit in a car, you worry additionally about having to locate to a mass shelter or a run down motel. This coverage is here to help you out in this time.
Prohibited Use, if you have it (which you likely do) is in the Section I – Additional Coverages portion of that long & boring document. Check your sub-sections under Loss of Use. You’ll find Prohibited Use, which from one of our companies reads thus:
We will pay the reasonable increase in living expenses necessary to maintain your normal standard of living and the loss of fair rental income when access to the residence premises is denied by civil authorities because of a loss to a neighboring premises caused by a peril we insure against.
Note that the language in your policy may be different.
To consider this coverage, think about:
-
- Does your normal standard of living include separate bedrooms, both a bath and a shower, a full kitchen and an outdoor entertainment area? Mine does. A small motel does not have that “normal standard of living.” (of course in the event of an evacuation, your lodging options may be limited – consider driving a bit further to have a little more comfort in this time of need)
- Access to premises denied by civil authorities. In my world, mandatory evacuation fits that description perfectly.
- A neighboring premises… caused by a peril we insure against. Does homeowners insure against fire? You betcha. Is the surrounding forest neighboring premises? You betcha
Nobody is suggesting that evacuating your home due to a fire is a vacation, but your homeowners insurance company is there to help – in the areas in which they specialize or are responsible – to take as much of the problem, discomfort and difficulty away by paying for you to reside in a location as much like your home and standard of living as what you left.
One important difference between policies to pay attention to will occur in the next sentence in your policy – and that is the length of time that coverage is provided for this. Hopefully, after that period of time, you’ll be able to return back to your home safe and sound.
The lesson here is – even though it may look daunting and unfriendly, actually sitting down and reading that long book of legalese can reveal a plethora of coverages that help you, not hurt you.
We really ARE here to help.
POST AND REPOST…………………my view,
In the social media community we observe posts that for some reason need to be passed on from one person to another to another. Why I don’t know, so I have taken this opportunity to post the actual posts and than give you my rendention of what is really being said or the sublimated message being promoted.
Post one: BREAKING NEWS: The Pity Train has just derailed at the intersection of Suck It Up & Move On, and crashed into We All Got Problems, before coming to a complete stop at Get The Hell Over It. Any complaints about how we operate can be forwarded to 1-800-waa-waaa. This is Dr. Sniffle reporting LIVE from Quitchur Bitchin’… If you like this, repost it. If you don’t, suck it up cupcake! Life doesn’t revolve around you
Subliminal content: No need to beat around the bush; just say it like it is.
Post two: BEAUTIFUL MOTHER AWARD♡ Once you have been given this award, you have to paste it on the wall of 8 women who deserve it. If you receive more than 3, you know you’re really beautiful! If you break the chain nothing will happen, but it’s always good to know that someone thinks you’re…beautiful inside…..and… outside.
Subliminal content: You’re a mother, and mothers work damn hard, but mothers are not really appreciated because no one bothers to comment on their Herculean efforts. Spreading this post will let mothers know that they rock and that they are beautiful and that if they don’t repost someone is not going to feel as special as they do right now.
BROTHER’S WEEK!!! If you have a brother who has made you laugh, punched you, stuck up for you, drove you crazy, annoyed you to no end, hugged you, watched you succeed, saw you fail, picked you back up, cheered you on, made you strong, and is someone you are very proud to have in your life, post this on your status ♥
Subliminal content: There’s a pretty good chance you have a brother who’s pissed you off at one time or another, and there’s a pretty good chance that he also has made you feel loved. So here’s to the ones who made you feel loved and to the ones who didn’t, well they can go to hell, just like before.
It has been said that everlasting friends go long periods of time without speaking and never question the friendship. These friends pick up like they just spoke yesterday, regardless of how long it has been or how far away they live, and they don’t hold grudges. They understand that life is busy and you will ALWAYS love them. Re-post if you have at least 1 of these friends. They will know who they are.
Subliminal content: This person knows to much of my personal life already, so lets wait awhile so we can have something new to talk about just as we have all our lives. Same book different chapter and we ALL have one.
Someone once said, “There comes a time in your life, when you walk away from all the drama and people who create it. You surround yourself with people who make you laugh. Forget the bad, and focus on the good. Love the people who treat you right, pray for the ones who don’t. Life is too short to be anything but happy. Falling down is a part of life, getting back up is living.” Re-post if you agree.
Subliminal content: It’s my life and I’ll do what I want, so in the immortal words of someone “your either with me or agan me”.
If you’ve read this blog to this point, thank you for indulging me and I hope you found this amusing and enjoyable. My intent was not to humiliate or offend, just to take your mind off the everyday mundane issues of life for a few minutes so that hopefully you could smile for an hour.
Subliminal content: I want to be your insurance agent!
Life Together
Author: Unknown
One fine day, an old couple around the age of 70, walks into a lawyer’s office.
Apparently, they are there to file a divorce.
Lawyer was very puzzled, after having a chat with them, he got their story….
This couple had been quarreling all their 40 over yrs of marriage nothing ever seems to go right.
They hang on because of their children, afraid that it might affect their up-bringing. Now, all their children have already grown up, have their own family, there’s nothing else the old couple have to worry about, all they wanted is to lead their own life free from all these years of unhappiness from their marriage, so both agree on a divorce….
Lawyer was having a hard time trying to get the papers done, because he felt that after 40 yrs of marriage at the age of 70, he couldnt understand why the old couple would still want a divorce..
While they were signing the papers, the wife told the husband..
“I really love u, but i really cant carry on anymore, I’m sorry..”
“Its o.k, i understand..” said the husband. Lookin at this, the lawyer suggested a dinner together, just 3 of them,wife thought, why not, since they are still gonna be friends..
At the dining table, there was a silence of awkardness.
The first dish was roasted chicken, immediately, the old man took the drumstick for the old lady..”take this, its your favourite..”
Looking at this, the lawyer thought maybe theres still a chance, but the wife was frowning when she answer..” This is always the problem, you always think so highly of yourself, never thought about how I feel, dont you know that i hate drumsticks?”
Little did she know that, over the years, the husband have been trying all ways to please her, little did she know that drumsticks was the husband’s favourite. Little did he know that she never thought he understand her at all, little did he know that she hates drummsticks even though all he wants is the best for her.
That night, both of them couldnt sleep, toss and turn, toss and turn…after hours, the old man couldnt take it anymore, he knows that he still loves her, and he cant carry on life without her, he wants her back, he wants to tell her, he is sorry, he wanted to tell her “i love you”…
He picks up the phone, starting dialing her number….ringing never stops..he never stop dialing….
On the other side, she was sad, she couldn’t understand how come after all these years, he still doesnt understand her at all, she loves him a lot, but she just cant take it anymore….phone’s ringing, she refuses to answer knowing that its him…”whats the point of talking now that its over…i have ask for it and now i wanna keep it this way, if not i will lose face..”she thought…still ringing…she have decided to pull out the cord…
Little did she remember, he have heart problems…
The next day, she received news that he had passed away…she rushed down to his apartment, saw his body, lying on the couch still holding on to the phone…he had a heart attack when he was still trying to get through her phone line….
As sad as she could be…she will have to clear his belongings…when she was looking thru the drawers, she saw this insurance policy, dated from the day they got married, with the beneficiary being her… And together in those file, there was this note…
“To my dearest wife, by the time you’re reading this, I’m sure I’m no longer around, I bought this policy for you, though the amount is only $100k, I hope it will be able to help me continue my promise that i have made when we got married, I might not be around anymore, I want this amount of money to continue taking care of you, just like the way I will if I could have live longer. I want you to know Iwill always be around, by your side… I love you”
Tears flowed like river……
“When you love someone, let them know… You never know what will happen the next minute…. Learn to build a life together.. Learn to love each other. For who they are.. not what they are…”
High unemployment in the central San Joaquin Valley is driving fear that more motorists are going without auto insurance because they can’t afford it.
That’s why the Department ofInsurance and the California Highway Patrol are making a push to let low-income drivers know about a low-costauto insuranceprogram. It provides basic liability coverage required under state law.
The most recent estimates from 2007 suggest that 18% of Californians did not have automobile insurance, said Darrell Ng, associate deputy commissioner for the state Department of Insurance. That was more than in any year since 1997, according to department estimates.
Now it’s probably even higher because of job losses across the state. In Fresno County, the unemployment rate in September was 14.1%, compared to 9.4% a year ago.
Ng will join CHP officers in Fresno today to promote the California Low Cost Automobile Insurance Program. The program helps low-income drivers get insurance that fulfills their legal obligation.
“Every day more than a million uninsured drivers hit the roads in California,”Insurance Commissioner Steve Poizner said. “If you hit another vehicle, you have a lot to lose. It’s not worth the serious financial risk.”
The low-cost insurance means “there’s really no excuse,” Poizner added.
To qualify, drivers must be at least 19 years old, have a good driving record, own a vehicle valued at less than $20,000 and fall below certain income thresholds. For a family of two, that’s $36,425 or less per year. For a family of four, it’s $55,125 per year.
California law typically requires motorists to provide proof of insurance coverage amounting to $15,000 per person or $30,000 per accident for bodily injury and $5,000 for property damage. Such coverage carried an annual premium ranging between $632 and $2,200 for a married couple in 2007, according to a Department of Insurance survey of insurance companies.
But for qualifying low-income families, the low-cost insurance program – offered at $258 per year in Fresno County — satisfies the state’s financial-responsibility law by providing $10,000 of coverage per person or $20,000 per accident for bodily injury and $3,000 for property damage liability.
“This provides them with an amount of coverage that makes them legal,” Ng said.
Qualifying drivers can upgrade their coverage for a few more dollars per month through the insurance company to which they are assigned, Ng said.
The basic insurance is catching on with motorists. In the first 10 months of 2009, the number of drivers enrolled in Fresno County has more than doubled, from 311 to 707.
Similar growth is reported in other Valley counties. But officials say they believe there are thousands of drivers in the Valley who qualify but likely don’t know about it.
“We hope nobody ever needs this program, but we know they do,” Ng said.
In a report earlier this year, the Pennsylvania-based Insurance Research Council predicted that rising unemployment nationwide would “trigger a sharp rise in the uninsured motorist rate.”
The report cited a historical correlation between the unemployed and the uninsured: for each percentage-point increase in unemployment, researchers saw a corresponding hike of three-quarters of a point in uninsured-motorist rates.
In a separate study in April, the Insurance Research Council estimated that 9% of households nationwide either canceled or failed to renew insurance coverage for a vehicle as a money-saving measure last year.
From our friends at Acuity Insurance comes this information, which we don’t want to have to think about, but it is better to consider this now and be prepared in advance. This summer has shown a preponderance of dry, drought conditions and high temperatures leading unfortunately to terrible fires burning around the Southwest.
Listed here are several suggestions that you can implement immediately. Others need to be considered at the time of construction or remodeling. You should also contact your local fire department, forestry office, emergency management office or building department for information about local fire laws, building codes and protection measures. Obtain local building codes and weed abatement ordinances for structures built near wooded areas.
Find Out What Your Fire Risk Is
Learn about the history of wildfire in your area. Be aware of recent weather. A long period without rain increases the risk of wildfire. Consider having a professional inspect your property and offer recommendations for reducing the wildfire risk. Determine your community’s ability to respond to wildfire.
- Are roads leading to your property clearly marked?
- Are the roads wide enough to allow firefighting equipment to get through?
- Is your house number visible from the roadside?
Learn and teach safe fire practices.
- Build fires away from nearby trees or bushes.
- Always have a way to extinguish the fire quickly and completely.
- Install smoke detectors on every level of your home and near sleeping areas.
- Never leave a fire, even “just” a cigarette, burning unattended.
- Avoid open burning completely, and especially during dry season.
Always be ready for an emergency evacuation.
- Evacuation may be the only way to protect your family in a wildfire.
- Know where to go and what to bring with you.
- You should plan several escape routes in case roads are blocked by a wildfire.
We have excellent coverage for child care centers and day care providers, the people who work hard to care for and protect the children under their supervision. Treat your business to the same level of care, attention and protection! Features of this type of insurance can include:
- General liability up to $ 3 million aggregate
- Business Income @ Actual Loss Sustained up to 12 months
- Coverage for water activites and even dog exposures for family child care facilities
- Errors & Omissions / Professional Liability is included!
- We have policies that do not automatically add an abduction exclusion
There are some operations that were previously excluded for preferred coverage and had to go to more expensive “Excess and Secondary” markets, but we are now able to consider on admitted & preferred “paper:”
- You can operate up to 24 hours/day! (used to be 16 hours max)
- Exclusion “buy backs” include optional abuse & molestation
- We can now add excess medical/accident coverage for children, as long as no overnight care
These types of policies don’t have to be limited just to individual child care. We can also look at coverage for your business that does group or family care, 24 hour child care, Montessori schools, Pre-Schools, HeadStart programs, LatchKey operations and Drop-In centers.
There have been some unfortunate and tragic incidents related to pool drain covers in the news lately. Our friends at Philadelphia Insurance’s Loss Control program have advised us of the following Pool Drain Cover Recall that has come as a result of incorrect flow rating by the CPSC:
On May 26th, the U.S. Consumer Products Safety Commission issued a news release stating there is a voluntary recall of several retrofit or replacement drain covers that were installed new or as a result of the “Virginia Graeme Baker Pool & Safety Act” which was effective on Dec 19, 2008.
Per the recall “The drain covers were incorrectly rated to handle the flow of water through the cover, which could pose a possible entrapment hazard to swimmers and bathers.”
Visit CPSC Pool Drain Recall for more information. Each firm below has a website with photos of the recalled drain cover models. Please verify that your pool is not subject to this recall, or if your pool has a recalled drain cover, take immediate steps to have the drain cover(s) replaced.
Eight Manufacturers are cooperating with the recall:
| Company |
Model Information (websites) |
Dates Sold |
Remedy |
| A&A |
aamfg.com |
December 2008 -
April 2011 |
Replacement or Retrofit |
| AquaStar |
aquastarpoolproducts.com |
December 2008 -
April 2011 |
Replacement or Retrofit |
| Color Match |
poolfittings.com |
December 2008 -
April 2011 |
Replacement or Retrofit |
| Custom Molded Products |
c-m-p.com |
December 2008 -
April 2011 |
Replacement or Retrofit |
| Hayward Pool Products |
hayward-pool.com |
December 2008 -
April 2011 |
Replacement or Retrofit |
| Pentair Water Pool & Spa |
pentairpool.com |
June 2009 -
April 2011 |
Replacement or Retrofit |
| Rising Dragon |
risingdragonplastics.com |
December 2008 -
April 2011 |
Replacement or Retrofit |
| Waterway |
waterwayplastics.com |
December 2008 -
April 2011 |
Replacement or Retrofit |
Blog opinions expressed are solely those of the author personally and do not necessarily reflect those of Rio Grande Insurance.
Insurance information posted is related to specific instances and may not apply to you.
Consult with a licensed insurance professional to best meet your needs.
|
