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The Votes Are In!
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PLANNING A TRIP?
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Planning a fall get-away or traveling for the holidays? Pack some peace of mind with Travel Insurance... get an online quote here.
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October Events & Holiday Observances
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CONTACT US:
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D.F. Dwyer Insurance
38 Bellevue Avenue
Newport, RI 02840
and
2623 East Main Road
Portsmouth, RI 02871
phone: 401.846.9629
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EXTRA EXTRA!
Info for You
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to stay 'in the know' with timely updates on topical insurance info, helpful tips and discounts -- join the conversation!
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Tricks for Making Your Halloween Party Safe
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 Halloween can be a fun time of trick-or-treating, jack-o'-lanterns and costume parties, but it can also be a deadly time of increased drunk driving. Anyone hosting a Halloween party should take steps to limit their liquor liability and make sure they have the proper insurance.
Social hosting liability laws vary widely from state to state. In Rhode Island, it is against the law for a host to permit an underage person to consume alcohol. Depending on the jurisdiction, violations of social host laws can lead to civil or criminal fines, imprisonment and monetary damages awards. If you are hosting a party where alcohol is served, it is your responsibility to make sure that your guests are capable of driving safely.
Here's How to Protect Yourself-- and Your Assets:
- Consider hiring a professional bartender to serve drinks; this will discourage guests from mixing their own drinks and help keep track of the amount of liquor consumed. Most bartenders are trained to recognize signs of intoxication and will limit consumption by party-goers who have had too much.
- Be a responsible host. Limiting your own alcohol intake enables you to better determine if a guest is sober enough to drive at the end of the night.
- Serve non-alcoholic beverages, always have other options on hand for guests who are driving.
- Do NOT serve minors. PERIOD.
- Don't rush to refill guests' glasses when empty, push the food, not the alcohol on your guests.
 - Always serve food with alcohol. It is proven that food can help counter the effects of alcohol.
- Don't admit individuals into your home who are already intoxicated.
- Stop serving alcohol at least one hour before the party ends. Serve only coffee, tea and non-alcoholic beverages toward the end of your party.
- Speak to each of your guests before they leave. If you think someone is unable to drive, call a cab, arrange a ride, or encourage the guest to stay at your house. This protects your guest as well as other drivers on the road.
- Encourage your guest to wear seatbelts as they drive home.
As the holiday social season begins, now is a great time to call us at 401-846-9629 to discuss your liability insurance coverage and any exclusions, conditions or limitations your policy might have for these types of social hosting risks.
Download a copy of this article here
Content Courtesy: Insurance Information Institute
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Farm & Agribusiness Insurance
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 D.F. Dwyer Agency, a Nationwide Agribusiness Insurance partner would like to be a valued resource for your local farm-based business. Give us a call at 401-846-9629 for a complimentary policy review, then subscribe to our new Farm E-Newsletter with specific features and information to help you protect your locally grown business.
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Plan Your Yard Sale with Safety in Mind
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A yard sale is a great way to clean out your home, make a little money and do good for the environment by providing a second life for your possessions. But your enterprise could get expensive if someone gets hurt on your property and decides to sue.
Both homeowners and renters insurance provide liability protection that covers you against lawsuits for bodily injury or property damage that you or your family members cause to other people. This coverage pays for both the cost of defending you in court and court awards-up to the limit of your policy. Most standard home and renters insurance policies will generally provide at least $100,000 of liability coverage. Many people do not realize they have no-fault medical coverage as part of the liability protection in their standard homeowners or renters policy. This allows someone who gets injured on your property to simply submit his or her medical bills to your insurance company. Thus, medical bills can be paid without resorting to a lawsuit. Most policies include about $1,000 to $5,000 worth of this coverage. It does not, however, pay the medical bills for your own family or pet. Consumers wishing to obtain additional liability coverage can increase the amount of liability insurance on their home or apartment to $300,000 or $500,000. Those who need even more liability coverage in order to protect their assets can also consider purchasing an umbrella or excess liability policy.
Depending on the type of yard sale you are planning, the I.I.I. offers the following guidelines:
- One Time Event: Yard sales that are one-time events for the sole purpose of selling unwanted personal items are generally covered under a standard homeowners or renters policy.
- Frequent Yard Sales: If you have frequent yard sales, it is a good idea to purchase a separate policy for business liability or an in-home business policy.
- Charity Fund Raiser: If you are staging a sale to raise money for a charity, you will most likely be covered under your homeowners or renters insurance policy. But you can also contact the charity to see what type of insurance protection they would be willing to extend to you if necessary.
In addition to checking your insurance coverage, plan your sale with safety in mind:
- Repair loose railings and cracked concrete, which may cause injuries.
- Place sale items so that there is enough space to move about without tripping.
- Avoid placing items too close to stairs and ledges where people could fall.
- Keep sharp objects such as knives and scissors out of the reach of children.
- Do not sell items that you know are unsafe or hazardous, including recalled items.
- Keep your pets safely indoors during the sale, both for their safety and to avoid someone getting hurt. Some dogs can become protective when there are strangers on their property.
- If someone does get injured, make sure that you get him or her medical attention as soon as possible.
Download the complete article here
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Farmer's Almanac Forecast: October 2014
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 Temperature 57° (1° above avg.); precipitation 2.5" (1" below avg.); Oct 1-7: Showers north, sunny south; warm; Oct 8-11: Sunny, cool; Oct 12-18: Rain, then sunny, cool; Oct 19-24: Showers, then sunny, cool; Oct 25-31: Rainy, mild north; rain, then sunny, cool south.
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Skywatch: October 2014
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 On October 8, the full moon will coincide with a total lunar eclipse. As the moon passes completely through the earth's dark shadow its appearance will take on a rust red color. The new moon on October 23, will create a dark sky for excellent viewing of the Orinoids Meteor Shower which will produce up to 20 meteors per hour at it's peak. A partial solar eclipse will also occur on October 23.
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