Last-Minute Halloween Liability Issues

Halloween is scary enough, we don’t mean to add to your fright, but if you are a homeowner or an apartment dweller, there are some safety precautions you should take to greet the little ghosts and goblins who will be ringing your bell or roaming the streets.

A few years ago, Christopher Boggs wrote a great Guide to Homeowners Liability for Injury to Trick or Treaters. He notes:

When the porch light is on, trick-or-treaters are considered invitees; the homeowner is inviting them onto the property (though not for a mutual benefit). Because of this relationship, the homeowner owes the candy seekers the level of “reasonable” care that falls under Ordinary Negligence.

Now anytime you have anyone visit your home, they could suffer an injury or an accident – that’s why you have insurance. But on Halloween, a steady stream of small feet traipsing across your porch in the dark increases the risk. Plus, you are giving out food.

Here are some tips to minimize Halloween hazards and reduce your risk.

  • Keep porches and walkways well-lit and free of debris and clutter that might be tripping hazards
  • Put reflective tape on your steps and along your walkway
  • When decorating, avoid candles – use LED lights and battery-powered lights instead.
  • Keep pets away from kids to avoid bites, scares or allergic reactions. Even friendly pets can be overexcited or upset by the unusual activity and may be skittish or overly protective.
  • Avoid mystery treats. Distribute labeled treats and tell parents what they are and if they contain nuts.
  • Provide alternative allergy-free treats – consider small non-food trinkets.
  • Be cautious about any spooky pranks for kids or guests – make sure they are safe and not too scary to young children.
  • If you are hosting an adult party, you have particular responsibility to take care in the serving of alcoholic beverages. See our post on holiday parties and liability issues.
  • If you are driving any time on Halloween, be super cautious. Little monsters may be out at any hour and frequenting normally quiet neighborhoods. Be particularly cautious at dusk an early evening.

Protect your home and car too!

Halloween is a huge night for vandalism. Here are a few tips to protect your property from fire, theft and vandalism.

    • Don’t overload electrical circuits with lights.
    • Paper and dried plant decorations can easily ignite. Keep them away from flames, lights, and electrical cords.
    • Lock up bicycles, gas grills and other outdoor valuables.
    • Park your car in a garage, if possible. Mischief makers may egg your house or car.
    • If you don’t have shelter for your car, consider stopping at the car wash for a coat of wax that may offer some protection.
    • If you are out trick or treating with your kids or partying with your peers, make your home looks occupied. Leave lights and the TV on.
    • Doorbell cams and motion activated lights can offer added protection.
    • If your car or home is egged, deal with it right away that night or in the morning before damage can set in. See How to Remove Egg Stains From Your Car’s Paint Job and 4 Ways to Wash Egg off your home

    Call your agent

    If you should suffer any damage to your property or have any accidents during Halloween weekend, file a claim as soon as possible to get the claim process in motion. Be ready with the details of where and when the event occurred, along with the names and addresses of any injured parties or witnesses to the event. If there is damage to your property, report it to the police, take photos, and record the details so you won’t forget them later.

Reprinted from Renaissance Alliance – no usage without permission.

Spooktacular guide to Halloween events in New England

It’s time to get your ghoul on! Between now and early November, there’s no shortage of spooky, haunted happenings to scare and delight you. We’ve selected a variety of haunted events and spooky places to help you enjoy the season over the next week. What’s the Weather Forecast for Halloween? Here’s the Farmers’ Almanac Prediction.

But remember – there’s one spooky place you want to avoid on Halloween at all costs!

New England Halloween Happenings

Roger Williams Park Zoo’s Jack O’Lantern Spectacular – from Zipline rides to Family Fun Nights, come enjoy thousands of carved pumpkins. Providence, RI

Sturbridge Village, The Legend of Sleep Hollow – “Recognized as one of the country’s top five Halloween plays, The Sleepy Hollow Experience is an immersive, outdoor theatrical experience that reimagines Washington Irving’s iconic 1820’s tale.

The Haunted Graveyard, Bristol CT– At dusk, take a terrifying 1 mile journey through darkly glittering catacombs to an eerie graveyard, to a vampire’s haunt, to a witch’s lair, then onto a misty lake and an ancient temple.

Haunted Happenings in Salem MA – What better place to experience Halloween than the city of the witch trials? There are a variety of events to choose from – this site says:“A festive celebration of Halloween and fall in New England. From the Grand Parade and Family Film Nights on Salem Common, to ghost tours, haunted houses and so much more.” Get an event calendar, a free guide & more.

Portsmouth NH Halloween Parade 10/31 – in its 25th year, this grassroots, all-inclusive celebration of community, creativity and free expression walks, stalks, dances, trumpets and drums its way through downtown Portsmouth.

Spooky World – Spooky World presents Nightmare New England and the Haunted Hayride. It is New England’s largest haunted attraction. (Litchfield, NH)

Reprinted from Renaissance Alliance – no usage without permission.

Spooktacular guide to Halloween events in New England and South Florida

It’s time to get your ghoul on! Between now and early November, there’s no shortage of spooky, haunted happenings to scare and delight you. We’ve selected a variety of haunted events and spooky places to help you enjoy the season over the next week. What’s the Weather Forecast for Halloween? Here’s the Farmers’ Almanac Prediction.

But remember – there’s one spooky place you want to avoid on Halloween at all costs!

New England Halloween Happenings

Roger Williams Park Zoo’s Jack O’Lantern Spectacular – from Zipline rides to Family Fun Nights, come enjoy thousands of carved pumpkins. Providence, RI

Sturbridge Village, The Legend of Sleep Hollow – “Recognized as one of the country’s top five Halloween plays, The Sleepy Hollow Experience is an immersive, outdoor theatrical experience that reimagines Washington Irving’s iconic 1820’s tale.

The Haunted Graveyard, Bristol CT– At dusk, take a terrifying 1 mile journey through darkly glittering catacombs to an eerie graveyard, to a vampire’s haunt, to a witch’s lair, then onto a misty lake and an ancient temple.

Haunted Happenings in Salem MA – What better place to experience Halloween than the city of the witch trials? There are a variety of events to choose from – this site says:“A festive celebration of Halloween and fall in New England. From the Grand Parade and Family Film Nights on Salem Common, to ghost tours, haunted houses and so much more.” Get an event calendar, a free guide & more.

Portsmouth NH Halloween Parade 10/31 – in its 25th year, this grassroots, all-inclusive celebration of community, creativity and free expression walks, stalks, dances, trumpets and drums its way through downtown Portsmouth.

Spooky World – Spooky World presents Nightmare New England and the Haunted Hayride. It is New England’s largest haunted attraction.Litchfield NH

Halloween happenings in Miami and south Florida

Zoo Boo – families and kids under 12 can trick or treat in costume, see wild animals get their Halloween goodies and more at the Miami Zoo.

Coconut Grove Pumpkin Patch Festival 10/26 and 10/27 – Pumpkins, Cornstalk Maze, Carnival rides, Scarecoew Village and more.

Howl-O-Ween at Pinecrest Gardens 10/27 – four-legged ghouls and their scary human companions enjoy a costume contest, a Doggie Fun Zone Agility course, food, drinks, live entertainment, a spooky Kids’ Zone and pumpkin patch.

3rd Annual Spooky Science Monster Mash, Frost Museum of Science 10/27 – Get ready for Halloween with a new chemistry potions show, Into the Cauldron; view underwater aquarium pumpkin carving., have a live animal encounter with one of our owls. Be spellbound as you discover how fun science can be!

Monster Splash Halloween Bash – Miami Seaquarium – through 10/31

Halloween on Lincoln Road 10/31 – 11/1 – Attracting over 50,000 participants each year, the landmark celebration is world famous for its spontaneous parades of the most creative and outrageous costumes.

South Miami Safe Streets Halloween Block Party 10/31 – Enjoy a visit from Scooby Doo, free candy, games, prizes, music, inflatables, and much more!

Reprinted from Renaissance Alliance – no usage without permission.

How to avoid rogue tow truck scams

Bad enough if you are in an auto accident – that’s stressful enough. You might be injured or at the very least, shaken up. Suddenly a tow truck appears on the scene saying they are from your insurance company. While that might seem like lucky timing, it should actually raise your suspicions. High pressure tactics from rogue tow truck operators can lead to exorbitant towing and storage fees or your car being taken to a body shop that is in league with the tower. The National Insurance Crime Bureau recently released a public service announcement to raise awareness about rogue tow truck operators and how to avoid becoming a victim.

NCIB offers these tips:

  • Never give permission to a tow truck operator who arrives unsolicited to take your vehicle.
  • If you or law enforcement did not call a tow truck to the scene, do not deal with that operator.
  • Do not provide tow truck operators with your insurance information.
  • Do not provide tow truck operators with personal lien holder information.
  • Determine that the tow truck signage is identical to what appears on any documentation the tow truck operator provides (they may say they “work with” your insurance company).
  • If the tow truck does not display signage identifying the name of the tow company, ask for company identification.
  • If a tow operator’s legitimacy is in doubt, call the police.
  • Do not give a tow truck operator permission to tow your vehicle until they:
    –Provide a printed price list, to include daily storage fees and miscellaneous charges that will apply if they tow your car (if the prices seem too high, ask the police or your insurance company to call a towing service for you).
    –Provide printed documentation indicating where the vehicle is being towed if it is not a location of your choosing.

The Coalition Against Insurance Fraud offers more information on tow truck cons and scams, as well as extensive tips to for what to expect and what your rights are.

Check out the full article but here are a few tips from their list:

Think ahead: Join an emergency road service club or organization such as AAA. Also know your auto insurer’s roadside assistance program, with the tollfree number printed on your insurance card. They’ll set you up with reputable towing firms and repair shops.

Photos. Take a photo of the scene, including the tow truck. Use your cell phone or a disposable camera stored in your glove compartment.

Complain. File complaints if you’re scammed. Contact your insurer, state insurance department, local Better Business Bureau and the police.

Know your rights. State laws protect you if your vehicle is towed while you were away, such as while shopping. Confirm and complain if you suspect violations of these rules in most states:

  • The property owner or manager of a business that had your vehicle towed must be at the scene and sign the towing authorization in most states;
  • The operator must leave a small sign at the scene. It should have the firm’s name, address, phone, reason for towing, and who requested the tow;
  • Towing firms must take a photo of your vehicle in the “illegal” spot and notify the local police department to ensure the car is not classified as stolen. Get the photos from the towing firm (though expect a fee); and
  • The towing operator must release your vehicle if you will not or cannot pay the requested towing free. This is true in most states, and then becomes a matter for civil courts.

Reprinted from Renaissance Alliance – no usage without permission.

Focus on Phishing: Take these quizzes to see if you are smarter than the criminals

October is National Cybersecurity Awareness Month, the time of year when cybersecurity experts from government, academia and industry remind us of the importance of safeguarding our digital information and reviewing our online safety practices.

One of the most common ways that crooks and criminals get your personal financial data is through phishing. Phishing is using email spoofing and other tricks to get you to give up personal info or click to a dangerous website that might expose you to a virus or a computer hijack. Never ever click on links or download things from a stranger!

But don’t just worry about bad emails from strangers – worry about bad emails from people and brands you trust. Many of the big brands we use everyday – Microsoft, Netflix, PayPal, Amazon, Apple – are regularly spoofed and we are tricked into clicking when we see messages like “your account is being disabled” or “thanks for your recent purchase” when you hadn’t made one. Or from a friend or family member, emails saying “this is a riot – click here” or a boss saying “We need your bank credentials for direct deposit.” If something seems off or strange or odd, it probably is. It’s better to be safe and not sorry so double check if you have doubt. Phishers are good at gaining our trust or exploiting our fears.

It’s vital to learn about how to avoid being caught by a phisher. We’ve assembled some quizzes to give you practice. But be warned, these are pretty difficult. If you take the time, however, even wrong answers will teach you something about what to look for and how to spot a fake.

Our top tips for avoiding phishing scams

  • Don’t click any links or download anything from a sender you don’t know or trust. It’s always worth double-checking. If it’s a web link from your bank, instead of clicking, go to your bank website directly by typing in the Web address in your browser. If it’s a phone call, hang up and call your bank.
  • Get in the habit of hovering over links to see who the email is really coming from and where a link is actually sending you. Learn how. On a mobile device? It’s a little trickier but you can and should still learn the source of a link from someone you don’t know. Here’s how: How to Check Embedded Links on Your Mobile Device
  • Phishing emails often have poor grammar or spelling mistakes. That’s a big clue that it’s a fake.
  • Be suspicious of any email or phone calls that demand you take action right away or that threaten you. The IRS and Medicare don’t call or email to threaten you or demand money. Urgency and threats are hallmarks of fraud.
  • Avoid filling out forms in email messages that ask for personal financial information. You should only communicate information such as credit card numbers or account information via a secure website or the telephone.
  • Always ensure that you’re using a secure website when submitting credit card or other sensitive information via your Web browser. Look for “https” in the URL. How Can I Tell If a Website Is Safe? Look For These 5 Signs
  • Consider installing a Web browser tool bar to help protect you from known fraudulent websites
  • Regularly log into your online accounts to ensure that all transactions are legitimate
  • Ensure that your browser is up to date and security patches applied
  • Always report “phishing” or “spoofed” e-mails to the following groups: forward the email to reportphishing@antiphishing.org; forward the email to the Federal Trade Commission at spam@uce.gov; when forwarding spoofed messages, always include the entire original email with its original header information intact
  • Take extra precaution when traveling. Don’t login to financial sites when on a free, public Wi-Fi..

 

Reprinted from Renaissance Alliance – no usage without permission.

Fall Home Maintenance Checklist

Fall is time to batten down the hatches before old man winter comes to call. Depending on where you live in the country, your maintenance may vary a bit. While snow can happen in all 50 states, in some states it’s pretty darn rare. Louisiana, Florida and Hawaii are the least likely states to get snow, while New York, Wyoming and Vermont top the list – check your state. But surprise storms do occur, even in the south. And the toll that winter takes on your house and yard isn’t limited to snow: winter cold snaps, freezing rain, harsh winds, hail and ice can also cause damage so it’s good to prepare now while the weather is mild. And don’t forget that hurricane season continues through November!

Check out our prior post on Winterizing: Money saving ideas for heating your home – something to think about over the autumn months. We’ve also compiled a checklist of other tasks to tackle before the colder weather sets in.

  • Have your furnace, heating and hot water system inspected and cleaned by a professional, This is important for oil-fired  to prevent puffback.
  • Inspect and clean chimneys and fireplaces.
  • Clean air ducts and vents.
  • Check and replace air filters and reverse ceiling fans.
  • Winterize water pipes.
  • Turn off exterior faucets and water sources.
  • Drain lawn irrigation systems.
  • Check roof and shingles and make any repairs.
  • Take steps to prevent ice dams
  • Clean gutters.
  • Check foundation, cellar and garage for gaps where critters could get in.
  • Insulate doors and windows to prevent drafts.
  • Test smoke and CO2 detectors; replace batteries.
  • Check and repair walkways, stairs, driveways.
  • Check and repair garage doors.
  • Clean outdoor pools and prep or cover for the winter.
  • Store or cover outdoor furniture and grills.
  • Bring in summer yard equipment.
  • Cover air conditioners.
  • Check and repair outdoor lighting.
  • Clean the clothes dryer to prevent fires.
  • Check and test winter equipment such as your snowblower.
  • Ensure you have shovels, sand, ice scrapers on hand.
  • Stock up on firewood if you have a fireplace or stove. Here are good tips for storing firewood.
  • Review your homeowners policy to understand what it covers. Have a talk with your independent insurance agent to address any gaps.

Reprinted from Renaissance Alliance – no usage without permission.

Scam and Fraud roundup: The latest cons

Thieves are highly creative and spend 24-7 just trying to figure out ways to separate you from your money. Even if you are super safe and cautious, you can be a victim of a con, a phish or a fraud. Scams happen both online and off – but it’s quite efficient for criminals to mass target potential victims via the phone and email. Check our our roundup of some of the latest scams, according to some of our favorite security sources.

Social Security is not trying to take your benefits
The Federal Trade Commission posts a robocall of the latest scams which threaten to end your benefits. They offer this reminder:

  • Your Social Security number is not about to be suspended.
  • The real Social Security Administration will never call to threaten your benefits.
  • The real SSA will never tell you to wire money, send cash, or put money on a gift card.

American Express Phishing Attack Targets Customers
If you are an American Express cardholder, learn the email phishing and phone scams. Learn more about it and how to avoid it. Also remember this good advice:

Never click a link or download an attachment that you are not expecting
If the email came from your boss, pick up the phone and verify it. If it appears to come from a company you do business with, ignore the email and go directly to their website. From there, you can see if there is an issue with your account.

Don’t pay for help with student loans
If you have student loan debt, a program that promises to reduce or erase it might sound like just what you need. But some of these programs just take lots of your money and give you no help — or do only what you could have done easily by yourself.  Don’t pay for help finding money for College; Don’t pay for the Application for Federal Student Aid(FAFSA®) form – it’s free; Avoid scams for loan or forgiveness – you can contact the lender yourself. The Department of Education has a great resource on Avoiding Scams that offers detailed explanations of common scams and reputable sources for grants and scholarships. Also, see this one page handout: Don’t Get Scammed on Your Way to College

Don’t Fall for Equifax Settlement Scams
Scammers are looking to cash in on the buzz surrounding the Equifax data breach, specifically the ability for consumers to check their data and file a claim if they were affected. If you were a victim of the Equifax breach, learn how to avoid scammers and get to the legitimate sources.

The latest news on romance scams
People reported losing $143 million in romance schemes last year, more than any other type of fraud reported to the Federal Trade Commission.

How not to get scammed, according to a former con artist
You may recall Frank Abagnale – or if not him, you may recall Leonardo DiCaprio’s depiction of him in the 2002 Spielberg film, Catch Me If You Can. Abagnale was a highly successful conman until he was caught and served 5 year in prison decades ago. He later became a security consultant for the US government and FBI. Read his recent interview in Vox, where he talks about his latest book dealing with robocalls, IRS fraud, and good old-fashioned stolen passwords. He says these are still some of the leading ways that Americans lost $16.8 billion to scams in 2017. According to Abegnale, “Crime is basically the same; the only thing that’s changed is today there are so many forms of communication and the ability to scam someone from thousands of miles away without ever really having personal contact with them.” See our past post on Abegnale, A conman you should listen to.

Past posts on scams & fraud

 

Reprinted from Renaissance Alliance – no usage without permission.

When should you book your holiday flights? Experts say right now!

OK. We know that the leaves haven’t turned yet, and the smell of pumpkin spice is barely wafting through the air. We aren’t even in Halloween prime time yet. We assure you, we aren’t trying to rush things, but we’d like to offer some seriously good advice: If you plan to fly someplace for the holidays – either for Thanksgiving or for the Christmas / Hanukkah / Kwanzaa window – it’s not too early to book your plane travel now. In fact, it may be the ideal time.

According to AAA Travel’s flight booking data from the last three years, Sept. 25 marks the start of the best booking window for air travel over the Thanksgiving and Christmas holidays. It’s generally the best time for both availability and price deals. While it’s true that there are sometimes last-minute deals for travel, there is limited availability – so if you want the best availability and choice, start looking soon.

See AAA’s advice for the best days to travel on both holidays windows: The Best Time to Book Your Holiday Flights? Now! Check their article for some detailed advice. We’re reproducing two of their handy charts.

AAA Thanksgiving travel -chart of best dates AAA - Christmas holiday travel = best times chart

SmarterTravel offers their take on timing: The 12 Best and Worst Days to Travel This Holiday Season. They show the busiest travel days around both holidays by share of bookings from travel booking site Hipmunk. They also offer some advice on snagging the best fares.

For train travel, Amtrak offers Tips for Successfully Booking Your Trip. They say that “The earlier you book your tickets, the more likely you are to get the lowest fare available for the dates you want on the routes along your journey. You may book your travel up to 11 months in advance.” See their Tips for Savvy Travelers.

In planning your trip, consider whether you need trip insurance. If you are just zipping home on a domestic flight to visit your folks, you might not need it. Instead, before you book, check your credit cards to see if any offer baggage protection or other travel benefits when you book a flight – many do. And know your consumer rights – see the Department of Transportation’s Fly Rights: A Consumer Guide to Air Travel.

But if you are taking an expensive family trip over the holidays and traveling overseas or on a cruise, you might want to talk trip insurance over with your agent to protect your investment. The Insurance Information Institute offers a good primer: Should you buy travel insurance?

Reprinted from Renaissance Alliance – no usage without permission.

When will you be driving a robotic car? Take an interactive online trip

Whatever you call them – robot cars, driverless cars, autonomous vehicles, self-driving cars – they are definitely in your future. But the question is, how far in your future?

They’re being tested already – more than 1,400 self-driving vehicles are operating in 36 states right now. Most states, but not all, require a backup driver.

Take an interactive urban trip as the backup driver in the Washington Post’s autonomous (self-driving) car simulation. It offers an interesting perspective on  the strengths and weaknesses in the way these cars work and how they interact with the environment around them. The Post invites you to sit in the passenger seat and play the role as the backup driver. And that’s an important role because the cars may miss some hazards and they can’t operate in certain weather conditions that interfere with their sensors, causing them to pull over suddenly and shut down entirely.

This interactive  feature is a fun way to learn more about how the cars work and their limitations. You can learn more about some of the system’s weaknesses in article in Insurance Journal by Alan Levin and Ryan Beene: Automated Driver Assist Cars Still a Work in Progress:

The radars and cameras used to sense obstructions ahead each have their limitations and computer software that evaluates the data is still a work in progress, according to the experts and advocates. In many cases, they are better at tracking moving vehicles ahead than recognizing parked ones.

But there are definite pluses, too:

To be sure, automated driving systems have clear potential to improve traffic safety by supplementing the driver. Automatic emergency braking alone has been found by IIHS to reduce rates of rear-end crashes by half, and the insurer-funded group estimates that the system could reduce police-reported crashes of all types by 20%.

Many autonomous or self-driving features are already making their way into our new cars now. These are generally referred to as advanced driver assistance systems. See 7 Self-Driving Car Features You Can Buy Now (and Some You May Already Have) from Autotrader. And cars.com breaks down self-driving features by car make.

But event these new tech features have a ways to go before they are up to par and winning driver acceptance. A recent survey by JD Power showed that many driver-assist features are seen as annoyances;

J.D. Power’s 2019 U.S. Tech Experience Index Study, published today, surveyed more than 20,000 consumers earlier this year, most of whom purchased or leased a model-year 2019 vehicle during the previous 90 days. Nearly a quarter of the group found alerts “annoying or bothersome” from systems that mitigate lane departure or actively center the vehicle, the study said. Such alerts range from hands-on-the-wheel warnings to lane departure chimes. For those who find them annoying, more than half said they sometimes disable the systems; among those who weren’t annoyed, only one-fifth or so indicated the same.

Some of the complaints can be chalked up to drivers being unfamiliar with the technology and uncertain about how it operates, so presumably we’ll all get more comfortable with things as we grow familiar with them.

So it’s not likely you’ll be able to read the latest best sellers while lounging in the back seat of your robot car on your upcoming commutes. But on the other hand, sophisticated technologies are leading to safer cars and fewer accidents – a big win for us all!

Reprinted from Renaissance Alliance – no usage without permission.

Fall foliage planner: find the best times and places to enjoy the season

Plan the best of the foliage season this year with an interactive fall foliage map from SmokeyMountains.com. The national map offers a slider so you can search by date to see where and when has reached minimal change, partial, near peak, peak or past peak across the nation from September through November. It also includes interesting information about why leaves change colors.

And here are some suggestions of where to get the best views.

New England foliage and autumn activities

Of course, those of us who live in New England are a little snobby about our status as a prime fall destination and foliage viewing point. From Yankee Magazine, find a New England foliage map, as well as links to articles on the best seasonal things to do, from festivals and fairs to places and driving routes:

  • 10 Places to Visit in New England in Fall
  • Favorite Fall Foliage Drives in New England
  • Best Corn Mazes in New England
  • Best Apple Orchards in New England
  • Fall Foliage Train Tours
  • 5 Best Pumpkin Festivals in New England
  • 12 New England Fairs to Visit This Fall

Yankee also offers a free Yankee Magazine’s Ultimate Guide to Autumn in New England, one of many free New England Guides. Also see Town & Country for their picks of 14 Incredible Spots to See Fall Foliage Across New England

As you’re out on the roads leaf-peeping, visiting apple orchards or commuting to-and-from work this autumn, keep a sharp eye out: The likelihood of striking a deer more than doubles in the fall. Your normal odds of a ruminant-related collision claim are about 1 in 169, but the likelihood more than doubles during October, November and December. See our post: Watch the roads: Autumn is peak deer-vehicle collision season

Florida in the Fall
For our agents, clients and friends in Florida, while the foliage may not be quite as brilliant, you can indeed enjoy the change of season in the great outdoors through wonderful trails, scenic highways, beaches, festivals and fairs. Here are some suggestions:

These suggestions should give you some good options. One more thing: When you’re on the road, it’s always a good idea to have your local insurance agent’s name and number with you in case any mishaps occur on the road. Make sure you have your independent insurance agent’s info in your phone contacts listing!

Reprinted from Renaissance Alliance – no usage without permission.