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School Bus Safety! Avoid the DANGER ZONE!

Always remain 10 feet away from the bus to be out of the "Danger Zone" and where the driver can see you. Always cross the street in front of the bus.

NEVER GO BEHIND THE BUS!

To be safe when they travel to and from school, follow these simple safety rules:
 

AT THE BUS STOP:

  • Always walk to the bus stop. Never run.

  • Walk on the sidewalk. If there is no sidewalk, walk on the left facing traffic.

  • Always go to the bus stop about five minutes before the bus is scheduled to arrive.

  • While at the bus stop, wait in a safe place away from the road. Do not run and play while waiting.

  • Never speak to strangers at the bus stop and never get into the car with a stranger. Always go straight home and tell you parents if a stranger tries to talk to you or pick you up.

  • Wait for the bus to arrive, watch for red flashing lights and the stop sign to be extended, and cross only when all traffic has stopped. Look left, right, and left again before crossing.
     

ON THE BUS:

  • Go directly to a seat. Remain seated and facing forward for the entire ride.

  • Talk quietly (so the driver will not be distracted).

  • If you need to talk to the bus driver: wait for the bus to stop, raise your hand, and call the driver's name.

  • Never throw things on the bus or out the windows. Never play with the emergency exits.

  • Keep the aisles clear at all times.

  • If there is an emergency, listen to the driver and follow instructions.
     

EXIT THE BUS:

  • When getting off the bus make sure you walk (not run) three more steps away from the door. This is the best place to be around a bus. Stay away from the bus wheels and watch out for moving cars!

  • Once you get off the bus, go straight home so an adult will know where you are.

  • Only get on and off the bus at your designated stop. If you need to get off the bus somewhere else, you will need to have a note from your parents.

  • If you leave something on the bus, never return to the bus to get it. The driver may not see you come back and they may begin moving the bus.
     

Also, if you drop something near the bus, tell the bus driver before you attempt to pick it up, so they will know where you are.

Choose the right types (and sizes) of life jackets—and make sure everyone wears them.

There are different types of life jackets for various activities, such as vest-type jackets for calm, inland waters, offshore jackets with additional buoyancy designed for rougher water, and even some made for waterskiing, kayaking, etc. Think about what you’ll be doing, where you’ll be headed, and who will be with you, so you have the ones you need. (Click here for more information on Life Jackets.)

 

Each individual on board (even pets) should have a life jacket that fits properly, and most important, they should wear it at all times—there probably won’t be time to throw one on when something bad happens unexpectedly. According to the Coast Guard, in most cases of boating-related drowning, life jackets were on board but they weren’t worn by victims.

 

Make sure you have other key safety equipment on board.

There are plenty of other items you should have (or consider having) on your boat to increase safety. Fire extinguishers are required on most boats, even small vessels, so make sure you have the right type and that you know how to use it. If you have an enclosed area on your boat, you should install a carbon-monoxide detector.

 

Cell phones don’t always work well when you’re out on the water, so a VHF radio can ensure you’re able to call for help—it might be a good idea to get an emergency position-indicating radio beacon in case you get lost, too. And finally, you should always carry an anchor and signal lights, even if you aren’t planning on being out at night.

With spring in full bloom and summer just on the horizon, prime boating season is upon us. And you might notice more people on the water than ever, because sales of recreational boats have been growing at a steady clip for seven consecutive years now, according to the National Marine Manufacturers Association.

 

Fortunately, the number of boating accidents isn’t growing at the same pace—in fact, they are decreasing. In 2017, the most recent year for which statistics are available, accidents were down nearly 4% versus 2016; fatalities dropped by more than 6%, and injuries by over 9%. That’s great news, but in order to make sure those numbers keep moving in the right direction, boaters need to keep making safety a priority.

Boating Season Is Here - Are You Up To Speed On Safety?

Use common sense, both before and after you launch the boat.

Keeping your boat’s systems and equipment (including safety gear, of course) in good shape is the first step to preventing problems, so put in the time to perform inspections and maintenance tasks as needed. Then, before any trip, no matter how quick, check the weather. Look for wind and small-craft advisories in particular.

 

When you hit the water, the fun can begin! But keep in mind that a quiet, enjoyable day can change in just an instant, too. So don’t speed. Don’t drink or allow excessive distractions. Remember that there are other people out there too, and that when everybody does their part, boating is a lot more fun—and a lot safer—for us all.

Do I Need Flood Insurance?

Many conditions can cause flooding: spring thaws, heavy rains, hurricanes and the rapid accumulation of rain after a wildfire are just some of them. And, while certain areas are prone to flooding, it can happen anywhere and at any time. According to Fema.gov, floods are the No. 1 natural disaster in the United States. "All it takes is a few inches of water to cause major damage to your home and its contents," the federal government-run website declares.
 

So, are you prepared? Beyond readying your home and developing a family emergency plan, being prepared for a flood means understanding a bit about insurance.
 

HOMEOWNERS INSURANCE DOES NOT TYPICALLY COVER FLOODS
 

Most important is the fact that a standard homeowners insurance policy typically doesn't cover flood damage. And because floods can occur anywhere, you should consider purchasing a separate Flood Insurance Program (NFIP) flood policy through an insurance agent. The NFIP is managed by the Federal Emergency Management Agency (FEMA).
 

Not everyone understands the need for a separate flood policy. In fact, research shows that there's a common misconception that homeowners insurance covers flood damage when, in fact, it typically doesn't. 44 percent of Americans said they believed they were covered for weather-related floods, when, in fact, only 15 percent reported having purchased a flood insurance policy through the NFIP.
 

HOW MUCH DOES FLOOD INSURANCE COST?

Costs for flood insurance will vary depending on how much coverage you buy, what the policy covers (does it just cover the structure? the contents of your home?) and your property's flood risk. The NFIP offers flood risk maps to help you identify your community's level of risk.

WHEN IS FLOOD INSURANCE REQUIRED?
 

If your home falls in a high-risk flood area and you carry a mortgage from a federally regulated or insured lender, your lender is legally mandated to require flood insurance on your property. Typically, that's not the case if your home falls in a moderate-to-low risk area. However, a lender may require you to hold flood insurance at any time — even if the company is not legally mandated to do so, according to Fema.gov.

To obtain an NFIP policy, your community must participate in the program. Most do, but not every municipality across the country does. You can check whether your community participates in the NFIP Community Status Book (click on your state, and then search through the alphabetical listing of communities to see if yours is on the list).
 

While flood insurance is offered through the NFIP, policies are sold and administered by private insurance companies. Most policies don't take effect until 30 days after signing, so it's a good idea to consider purchasing coverage before storm season is upon you. 

 
 
 

Our goal is simple:

Protect everything that matters most to you.

At Joyce Insurance we want to do the right thing. We make sure you are getting the most coverage for the best rate. It's more than just saving money; its protecting your lifestyle and helping the community.

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Email: service@joyceins.com

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