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                                                                                                       Barbecue Season Is In Full Swing: Don’t Go Up In Flames

The joys of outdoor cooking also bring fire and associated risks. Here are some safety reminders for gas and propane barbecues to protect you and your property from harm or damage.
•    Never operate a barbecue in an enclosed space, close to a structure, or near combustibles. Have a one metre radius around it free of obstructions. 
•    Keep your barbecue in tip top shape. Check for hose breakage, valve leaks, and other parts before securing the tank well and turning on the gas. 
•    When in use, never leave the grill unattended, and when finished turn the tank off before the burners so the remaining gas in the lines can burn off. This can help prevent a flash the next time the BBQ is in use.
•    Make sure your fire extinguisher is easily accessible and in good working order. 
Additional Tips
•    Propane companies use an additive to create an unpleasant odour like rotten eggs to make a propane leak easier to detect, so you can shut off supply immediately, stop using the grill, and clear the area.
•    Although the risk of carbon monoxide is low when using a BBQ outdoors, it is not entirely eliminated. Learn to recognize the signs of CO2 poisoning and take appropriate action.
•    Store propane tanks in an upright position, in a spot where they are unlikely to be knocked or bumped to prevent any safety risk.

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Managing a Business Shutdown or Slowdown

This applies to businesses who have had to temporarily close or limit operations due to COVID-19.

Most insurers have extended the allowable period (from the standard 30 days), for premises to be vacant or unoccupied as a result of a civil authority-mandated shutdown.

Depending on the insurer, the extension is for an additional 30 or 60 days. Check with your broker to determine which limit applies in your own situation, and especially if your closure will exceed the applicable extension. Increasing the extension limit further will be reviewed on a case-by-case basis.

The insured must undertake some simple & reasonable measures to support the safety and security of the business premises, including frequent visits to the premises, to ensure proper maintenance of any security system and utilities. Contact your broker for further details.

Insurers are making every effort to work out accommodations for vulnerable clients who have been financially impacted by the pandemic and can’t afford to maintain their insurance. Once again, arrangements are made on a case-by-case basis. Your broker can provide advice and guidance in these uncertain times.