Labor Day Fun!

With Labor Day approaching it’s time to make plans and prepare. Millions can’t wait to hit the road, but some Americans choose to stay close to home. Why sit around stuck in traffic when you can linger at the grill and share a cold beverage – or two – with friends? Here are a few tips to make your party a fun and safe time for everyone.


  • Pick a safe spot to grill. Keep it away from the house or any branches or plants that could ignite. If your grill is next to your house pull it out away from the structure of your home.
  • Keep it clean. Accumulated grease inside your grill can catch fire, so clean it before use. Keep uncooked meat and utensils used away from prepared food.
  • Make your grill a kid-free zone. Set up a play area for children well away from the hot grill.


  • Don’t leave your grill unattended. Even for a minute. If you must step away for more spices or a clean plate, appoint a sous chef to keep watch.
  • Don’t bring the party inside. Not even into the garage. Overhead surfaces could also burn.

Grilling isn’t the only danger when you host a party. If a guest sues you because he or she got hurt on your property (and it could be your fault), personal liability coverage in a standard homeowners’ insurance policy typically can help protect you.

If that guest does not file a lawsuit, the medical payments coverage in a standard policy could come into play. It can help with medical bills associated with the injury.

Check your policy for details. If you are renting a home make sure your rental insurance covers it. We hope you have a safe and fun holiday!

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