Stanley Mutual Member Insider News 🗞️☃️🎄❄️

Published: Thu, 12/07/23

Winter

2023

Come get your own 2024 Calendar

at your local Stanley Office Today !!!

Wrapping Up Your Holidays

to Avoid Insurance Disasters

Don't let someone steal your sleigh!

Beware of potential car theft during the holidays, as historical data indicates heightened risks on New Year's Day, the prime day for such incidents. While Christmas Eve and Christmas Day see a decline in theft, precautions should still be taken to safeguard your vehicle during the festive season.

Protecting Your Home from Fire Hazards:

Homeowners insurance covers fire-related incidents, including those involving Christmas trees. Statistics reveal that a significant portion of home Christmas tree fires result from electrical or lighting equipment malfunctions.

To minimize fire risks, ensure smoke alarms are functional, opt for fire-rated artificial trees, and adhere to safety guidelines such as maintaining proper distance from heat sources.

Preventing Kitchen Fires:

Home-related accidents involving guests can impact holiday celebrations. Homeowners insurance typically covers injuries to guests on your premises. However, if you plan on hosting an event away from your home, you may want to consider securing an “Event Liability”. Social hosts should be aware of potential liabilities, especially regarding accidents caused by intoxicated guests. If alcohol is going to be served, obtaining liquor liability coverage and encouraging responsible drinking practices can help mitigate risks.

Handling Accidents Involving Guests:

Home-related accidents involving guests can impact holiday celebrations. Homeowners insurance typically covers injuries to guests, but for more substantial injuries, personal liability coverage may be necessary. Social hosts should be aware of potential liabilities, especially regarding accidents caused by intoxicated guests. Confirming liquor liability coverage and encouraging responsible drinking practices can mitigate risks.

Safety Tips for a Secure Holiday Environment:

Maintain safe walkways, well-lit exteriors, and secure rugs to prevent slips and falls. Clearing clutter and promptly addressing spills reduces tripping hazards. Additionally, responsible hosting involves monitoring guests' alcohol consumption, offering alternatives to intoxicated guests, and arranging safe transportation options to prevent accidents caused by impaired driving.

Ultimately, safeguarding against potential insurance issues during the holidays involves a combination of proactive measures and responsible hosting practices.

New Brunswick Fun Fact

The first Christmas in North America was celebrated in The Maritimes, 425 years ago.

In 1604, Samuel de Champlain sailed into the Bay of Fundy, noticing St. Croix Island on the border of New Brunswick and Maine. He attempted to establish the first North American settlement on St. Croix Island but faced harsh winters, food shortages, and strained relations with the Wolastoqiyik people. Abandoning St. Croix, the French settled in Port Royal.

Champlain decided the scurvy that had ripped through his people the previous winter was caused by the French not having enough entertainment. His solution was to found “L’Ordre de Bon Temps,” or “The Order of Good Cheer.” The Order marked a cultural shift, creating a "new nobility" where everyone, regardless of background, participated equally. Everyone was knighted to be members of the “new nobility” in The Order of Good Cheer, and all were treated as equals. Men, women, children, Catholics, Protestants, Mi’kmaq people, white people, and black people.

Under the Order's banner, a festive atmosphere prevailed, culminating in the first Canadian Christmas celebration.Marc Lescarbot organized a play, "Le Theatre de Neptune en la Nouvelle-France," followed by a grand feast featuring a blend of Mi'kmaq and French cuisine. Membertou and the Mi'kmaq actively participated, breaking down cultural barriers and fostering unity. The Order of Good Cheer sous chefs had prepared a grand feast consisting of a mix of Mi’kmaq and French cuisine. The menu included mallard, ruffled grouse, venison of moose, deer and caribou, beavertail (a particular delicacy), otter, bear, rabbit sturgeon and other fresh fish, and even wildcat.The Mi’kmaq helped the French prepare food, joined in the plays, put on performances, sang, drummed, and were knighted to become part of the Order, equals in every way.

Read Full Article Here

This photo is from 1904 in downtown Saint John, New Brunswick a massive week long celebration of the 300 year anniversary of Samuel de Champlain's arrival was held. Provincial Archives of New Brunswick P210\558