Archive for May, 2009

Prom and Graduation Safety

Monday, May 4th, 2009

As some local teens attended their prom last weekend, and others anxiously look forward to upcoming high school proms and graduation celebrations, parents are equally excited, but perhaps a little concerned, hoping students celebrate safely and responsibly. What should be a memorable time for students could easily be remembered for all the wrong reasons.

Unfortunately, motor vehicle accidents remain the leading cause of death among 15-to-20-year-olds – claiming nearly 6,000 young lives each year. The Allstate Foundation’s comprehensive study, “Chronic: a Report on the State of Teen Driving”, includes an in-depth look at teen attitudes on driving and suggests reasons why young drivers become involved in motor vehicle accidents.

Among the Chronic Report’s findings:

  • More than half (56%) make and answer phone calls while driving.
  • 13% percent (an estimated 1.6 million teens) said they drive while reading or writing text messages.
  • 47% percent said passengers sometimes distract them.
  • 64% percent admit they speed up to go through a yellow light.
  • Nearly 70 % of teens said they’ve felt unsafe when someone else was driving but less than half (45%) would speak up.

With all the excitement, it’s easy for young drivers to lose focus on safety, but it’s their responsibility to eliminate distractions and look out for themselves, their friends and others on the road.”


So what can parents do to help prepare their teens for the prom and other events while keeping a focus on safety? Allstate Insurance recommends the following tips:

Be clear about the dangers of drinking and driving: Driving under the influence is illegal and unacceptable. Many statistics can illustrate the dangers of drinking and driving, but make it clear to your teen that making it a safe evening for all is top priority.

Establish an SOS: Transportation plans can easily change on the spot and teens may find themselves in potentially dangerous situations. Make sure your teen knows it’s OK to not take a ride with a driver whose behavior causes concern. Teens should be able to call parents or a responsible adult for a safe ride.

Plan an alternate source of transportation: Instead of driving, arrange for a cab or a limousine.

Limit the number of passengers in your teenager’s car: More passengers create more potential distractions for the driver.

Reduce distractions: Warn your teen about the dangers of driver distractions, including eating, drinking, or using a cell phone while driving.

Buckle up: Teens, more than any group of drivers and passengers, don’t use seatbelts. In many communities though, it’s the law.

No matter how hectic your teen’s social calendar is on prom night, or any other night, safety should never take a back seat to any special occasion. For more information, please visit www.protectteendrivers.com.

At your service,

Jack Colbourne

Kiefer & Colbourne Insurance

410-546-9388

800-649-3114

The Top Ten Reasons Why To Buy

Friday, May 1st, 2009

The Top Ten Reasons Why To Buy

Employment Practices Liability (EPL)

1. EPL covers not only actual but also alleged acts of discrimination,

harassment, retaliation, wrongful termination and other similar acts.

2. 3 out of 5 employers are sued by former employees every year.

3. Over 40% of EPL claims are against firms with fewer than 100 employees.

4. Some Federal and State employment laws apply to all employers – any size

company has exposure!

5. The Equal Employment Opportunity Commission (EEOC) recorded nearly

76,000 charges in 2006 and obtained more than $274 million in settlements

for claimants.

6. The financial ramifications of not having EPL insurance can be crippling,

especially for small firms because they do not have the operating budgets to

handle the defense costs, let alone settlements or judgments, of an

uninsured claim.

7. The medium cost of an EEOC lawsuit in 2006 exceeded $200,000.

8. There is no EPL coverage under other insurance policies such as General

Liability (GL). Any endorsement to another policy generally provides

insufficient limits, does not provide the breadth of coverage of a separate

EPL policy and erodes the limit available for the GL exposure.

9. Since 1997, wage and hour litigation has tripled. More wage and hour

collective/class actions have been filed in recent years than any other types

of employment class actions combined.

10. Gender discrimination, age discrimination and retaliation claims are on the

rise. There are more women and “baby boomers” in the workplace than ever

before. Recent Supreme Court decisions have lowered the standard of what

constitutes retaliatory treatment