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Tip of the Month

                                                                                                       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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Considering A Short Term Rental of Your Home?

Considering A Short Term Rental of Your Home?


Sharing services used for temporary rentals of property are all the rage these days, but insurance is not necessarily top of mind by would-be renters. Many assume their existing home or tenant’s insurance covers short term rental agreements, but this is most likely not the case. 1.2 million people around the world have turned to services such as Airbnb or HomeAway to offer temporary rentals, but haven’t considered possible negative outcomes if they haven’t taken steps to properly protect their property. Always assess risk versus reward: Does the property rental site screen potential renters? Are guests required to verify their identification? Is coverage provided in case something goes wrong? Does the service have a host guarantee or host protection insurance?

Have a discussion with your insurance broker about your plans, about what your current policy includes, and more importantly, what it doesn’t.