Ideas for a safe and fun Fourth of July in New England


Fourth of July in red white and blue type fonts

Things are looking much more positive and festive in New England for July 4 than they were a month ago for Memorial Day, but Covid19 is still looming so we all still need to be safe and careful. We worked hard to bring our numbers down, but we can see from some other parts of the country, things can spiral downward quickly if we don’t keep our guard up.

But you can still celebrate and enjoy the holiday. We’ve gathered some ideas and guidelines for how to have fun this Fourth of July!

The state of the states

Can you take day trips or weekend trips to adjoining New England states? See Northeast: Coronavirus-Related Restrictions By State for summaries, or we have state travel information below.

Virtual Holiday fun

If you plan to stick close to home, the New York Times offers some fun ways to mark the holiday virtually in Honor America’s Birthday (Safely) in 2020. 

  • They tell you how to enjoy televised NY fireworks, The Boston Pops and DC’s  “A Capital Fourth.”
  • They suggest several patriotic virtual tours such as The Statue of Liberty, Philadelphia’s Independence National Historical Park and other historic sites.
  • They offer a list of patriotic streaming movies, including a live recording of Hamilton on DisneyPlus.

The Washington Post also lists some holiday-related events, among them some real-world events in the capitol region and some televised and online events holiday events, such as July 4 at the National Archives, Wolf Trap Foundation for the Performing Arts concerts, and an online ‘We the People’ Concert and Tribute at Washington National Cathedral, along with other virtual concerts.

Walking, Biking, and Hiking New England

Outdoor activities are among the safest things we can do.  Fortunately, here in New England, we have beautiful scenery. Here are some suggestions:

Entertaining at home

Here are a few helpful guides:

We’ve also summarized some tips for both hosts and guest that were suggested by various guides and health experts

  • Check in with invited guests in advance about any concerns they have. Let them know “the rules’ so they feel comfortable and will respect your wishes. For example, rules about social distancing, what they should bring (their own beverages) or shouldn’t bring (shared food dishes, unannounced guests) and any bathroom rules, such as flushing with seat down.
  • Respect boundaries if people decline an invitation. Don’t take things personally.
  • Know your local guidelines about gathering sizes, but all experts agree: smaller is safer – and likely more comfortable for your guests.
  • Maintain social distancing – measure the space on your deck or your yard in advance to see how many seats can be accommodated 6 feet apart and base guest numbers on that.
  • Keep it outside. Have a plan to postpone if the weather turns bad and keep an eye on the weather.
  • Wear masks when not eating.
  • Wash hands frequently, bring / supply hand sanitizer.
  • BYO beverage, or provide them in individual cans or bottles.
  • Avoid shared plates, utensils, seasonings or condiments – things that people handle repeatedly.
  • Use disposable plates, utensils, napkins and place at each seat.
  • Avoid shared food dishes and plates. Provide individual servings.
  • Clean and disinfect high-touch areas like doorknobs and bathrooms before, during and after the party.
  • In bathrooms, provide paper towels, hand soap on the sink, disinfecting wipes.

 

Beach lovers’ guide to Memorial Day in New England


sea shells, sunglasses and a facial mask_ beachgoing in the pandemic

The good news is that it’s Memorial Day Weekend, states are cautiously beginning to open beaches and parks, and the weather looks promising. The bad news is that the virus has not gone away so visiting your favorite coastal spots will come with many restrictions and limitations. If you are expecting a “normal” experience, you may be disappointed. You should “know before you go” and consider taking small steps to favorite outdoor activities rather than jumping in headlong … perhaps stay closer to home base to test the waters. Definitely don’t drive to another state without checking first – some states require 14-day quarantines for out-of-state visitors! But even if there is no quarantine requirement, check the status and availability of your destination, along with learning any rules and requirements that may be in place. Don’t count on lifeguards or public restrooms. Plan to bring face coverings, hand sanitizer, disinfecting wipes, and possibly your own food and beverages. Even if some restaurants are open for takeout or outdoor dining, they will likely have limited capacity.

We amassed some resources to help you plan before you go to the beach.

First, how safe are outdoor activities? The New York Times checked with experts who say that being outdoors with is probably fine and if you adhere to appropriate social distancing and think things through. They warn about lowering your guard too much and caution about outdoor dining, using locker rooms at pools, and navigating crowds in places like beaches. See What We Know About Your Chances of Catching the Virus Outdoors

They suggest that:

Ideally, people should socialize only with people who live in their homes, they say. If you decide to meet friends, you’re increasing your risk, but you can take precautions. It’s important to keep gatherings small. Don’t share food, utensils or beverages; keep your hands clean; and keep at least six feet from people who don’t live in your home.

 

Be cautious as you venture into public outdoor spaces … we all need to stay safe ourselves and keep our families and neighbors safe. Keep your expectations low, be flexible, and avoid crowded spots. This first weekend “free” might be too crowded, a walk or a bike ride in your local area might be the best bet. Public health officials will be keeping tabs on how things go in this first big holiday of the pandemic and it will affect how things go over the course of the summer, so let’s all be careful, safe, patient and respectful. We don’t want to undo all the good we did by staying at home over the last many weeks!

 

Newlyweds & insurance


wessing cake topper couple standing on coins

Like 2.3 million other couples this year, you may be putting the finishing touches on your plans for a wedding. On average, there are 6,200 weddings per day in the US, but some months are more popular than others. The Spring is an active time, with 10% of all weddings in May and 11% in June. Statistics say that the average wedding budget is $20,000 and the average number of guests is 178.

From the event to the honeymoon, it’s a big deal with a lot of details, so it can be easy to overlook insurance. But we’re not just talking about wedding event insurance which, if you plan a costly event, you should definitely consider to cover cancellation or losses such as stolen gifts, damaged photos, rings or gowns and other unforeseen problems. In this case, we’re talking about insurance matters that you and your spouse should consider as you embark on a financial life together.

The National Association of Insurance Commissioners (NAIC) offers a handy tip sheet about insurance matters that engaged couples should discuss: Combining Your Insurance: Just got engaged? Don’t forget to talk about insurance. It discusses decision points and money saving tips for homeowners and renters insurance, auto insurance, health insurance, and life insurance.

Of course the easiest way to cover insurance is to make an appointment with your local independent insurance agent, who can walk you through all the considerations both for the event itself and for the various coverage options you’ll need going forward. As you embark on a new life together, you no doubt have many hopes, plans and dreams. The right coverage can keep you on track by protecting you from unexpected losses. Your agent will know the best coverage options and the ins and outs for saving money.

Below is an infographic Insurance Survival Guide for Newlyweds, also from NAIC. (For a larger version, click the link or the image).

Insurance survival guide for newlyweds infographic

Insurance and The Oscars


The Oscars award statuettes

Americans have about a $40 billion a year love affair with the movies and this weekend, that love culminates in the annual celebration of the Oscars. You can Google “Oscars 2020” for a hub of news, lists, videos, history and more related to events. And check out this handy guide for how to watch or stream the events live.

Behind all the glitz and glamour, insurance is one of the factors that helps make everything run smoothly. No costly event occurs without insurance – there are too many potential things that could go wrong. Expensive events – and these might range from a wedding to something as elaborate as The Oscars – should secure Special Events insurance. For weddings, there are special wedding packages you can purchase; for a complex event, custom packages are tailored to encompass the many risks, which would protect all parties against unforeseen losses due to any number of problems – event cancellation, sudden unavailability of a venue, failure of key vendors, catastrophic weather that might force a cancellation or ill health on the part of key performers, to name a few examples.

But even special events coverage may not be enough to cover the risk. In Insurance Business America, Lauren Ingram talks to insurance experts about a number of insurance risks posed by an event such as the BAFTAs or Oscars that may not be a consideration at another event. As one example: “the accumulation risk of celebrities within one location and the security risk of having a number of high net worth individuals all within one location” might make the event a potential target of terrorism.

Other parties – vendors and even the stars themselves – might need coverage of their own for various risks related to the events. For just one example, consider this: The New York Times notes that the expensive jewels adorning the stars – ranging in value up to $12 million – are generally rented. The jewelers who loan them out require the stars to secure their own insurance coverage for the gems. But according to Chubb, the lending jewelers will generally provide security and someone to escort them. The article offers an interesting behind-the-curtains look at a little known aspect of the gala. (By the way, if you own expensive jewelry, you should make sure you have a special policy to cover it. This is true of any expensive collections – talk with your agent about the limits of your homeowners policy.)

Here are a few other Oscars and insurance-related items of interest:

Personal events such as weddings benefit from insurance, too
Private events can also benefit by similar types of coverage. As the average cost of a wedding climbs – in the U.S., the average cost of a wedding in 2019 was a whopping $38,700. with he ceremony and reception taking up a huge chunk of that, at $29,200. Wedding insurance can cover costs for cancellation due to weather, illness, or venue unavailability. It can also cover losses if gifts are stolen, damage or loss of photos, rings, gowns, and the like, and other unforeseen problems. If you are planning a costly reception, you may want to discuss wedding insurance options with your agent. In addition to insurance for cancellation or other problems, your reception venue may require liability insurance. You should also be sure to verify that your wedding venue and your vendors are properly insured, and learn exactly what and how their insurance might extend to cover any problems you might experience. Your local independent insurance agent can help you find the right coverage for your event.

 

Super Bowl LIV Party Planning: Snacks, safety & more


Super Bowl party food
This Sunday, Super Bowl LIV returns to South Florida for a record 11th time. The game will kick off at approximately 6:30 p.m. ET at the Hard Rock Stadium, Miami Gardens. This year’s contenders are the San Francisco 49ers who haven’t won in 25 years vs the Kansas City Chiefs, who haven’t won in 50 years – so it should be a great game with a lot of fan excitement and passion on both sides. We’ve got some ideas for your Super Bowl party ranging from party foods to guest safety … and a few fun odds and ends.

Here’s a pre-game preview:

To follow before, during and after the game on Social Media:

Party Snacks:  If you’re are planning a party but haven’t set your menu yet, we have some ideas. Here’s a how-to on building a Super Bowl snack stadium, and here are 12 football-shaped foods. For a few other menu planning ideas, check out 80+ touchdown-worthy party foods and Big Game Bash party recipes.

Party Safety: If you are attending a party, make sure you have a designated driver or alternate transportation planned in advance. Keep an eye on your friends and don’t let them drive under the influence either. If you are the host, you need to plan for more than just the menu – it’s important to look after guest safety to avoid any host liability. The Insurance Information Institute explains:

Social host liability, also known as “Dram Shop Liability” laws vary widely from state to state, but 43 states have them on the books. Most of these laws also offer an injured person, such as the victim of a drunk driver, a method to sue the person who served the alcohol. There are circumstances under these laws where criminal charges may also apply.

Here are some hosting safety tips:

  • Make sure all of your guests designate their sober drivers in advance, or help arrange alternate transportation.
  • Serve lots of food and include lots of non-alcoholic beverages at the party.
  • Stop serving alcohol at the end of the third quarter of the game and begin serving coffee and dessert.
  • Keep the numbers for local cab companies handy, and take the keys away from anyone who has had too much to drink.

It’s a little late for this year’s Super Bowl, but if you are a homeowner who likes to host parties, you might want to talk to your independent insurance agent about umbrella liability insurance, which increases your protection.

Something for everyone

If you’re into the Super Bowl more for the party and less for the sport, you might find Puppy Bowl 2020 more to your style. Meet the stars Puppy Bowl stars and starting lineup. See the preview below.

Some people are only it for the halftime show or the ads. Here’s everything you need to know about the halftime show, featuring Jennifer Lopez and Shakira. NBC sports has an overview of Super Bowl ads including the cost of the ads and spots to watch or preview: Check out the Super Bowl Commercials for 2020.

Every year, we also wait for the hilarious annual posting of the NFL Bad Lip Reading – it’s usually posted sometime near the Super Bowl. As of this today, it isn’t up yet, but here’s the 2019 version to get you in the mood.