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Tips for Staying Safe this 4th of July

With one of the biggest holidays of summer quickly approaching, Al Bourdeau Insurance Agency would like to wish everyone a fun and safe holiday weekend!

As much fun as the 4th of July can be, it is also one of the most accident filled days of the year.

With activities such as fireworks, boating, swimming, bar-be-cue’s, camping, bonfires, and with the abnormal amount of people traveling the possibilities for accidents to occur is unlimited.


We at Al Bourdeau Insurance Agency wish nothing but safe travels and a happy holiday weekend to everyone around for the 4th of July holiday. Unfortunately, we realize that how likely it is for a terrible accident to occur on a busy holiday such as this.

We have created a list of tips for anyone participating in 4th of July activities to help ensure a safe and fun holiday.



  • Remember to only buy fireworks from a reputable dealer.
  • Never use a firework that has been wet or tampered with.
  • If you light a firework that is a “dud” and it does not go off, do not touch, or go near the firework for at least 20 minutes.
  • After any firework that you light have gone off, make sure to soak the empty shell in water before disposing of it.
  • Always keep a bucket of water or hose on hand in case of a fire.



  • If you are grilling, never leave a lit grill unattended.
  • Make sure that there are no children or pets around that could possibly get burned.
  • Make sure to always grill outdoors, in a safe, spacious area.
  • If using a charcoal grill, make sure charcoal is completely done burning and pour water on the coals before disposing of.
  • Always use proper grilling tools.
  • Use little lighter fluid, if any, while starting the grill.
  • Never spray lighter fluid on a lit grill, or charcoal grill with coals already burning.
  • Always keep water, or a hose nearby in case of a fire.



  • Never leave your children unsupervised.
  • When a child is around water, make sure they are wearing a proper flotation device.
  • Do not swim or boat under the influence of alcohol.
  • Only swim where a lifeguard or someone supervising is present.
  • Never swim alone.
  • Make sure when boating that all passengers have a proper life jacket available.
  • Pay attention to everyone else. There is no shortage of drunken boaters on the 4th.



  • Make sure you have the proper supplies in your car if you happen to break down.
  • Carry an extra stash of money solely for emergency purposes while on the road.
  • Be an assertive driver. Most of the time it is the other people on the road that you need to watch out for.
  • Plan everything in advance: Maps, pit stops, food, bathroom breaks, etc.
  • Never drive under the influence of alcohol or get in a car with someone under the influence of alcohol.
  • Never drive if you are noticeably tired. If you think you are going to fall asleep pull over and take a nap.


The last thing any of us want is for someone to get killed or injured in any way, shape, or form during this 4th of July. The best way to prevent a great weekend from turning into a tragic one is by using your head, always thinking safety first, and making sure to always look after yourself and the others around you.


Categories: Uncategorized

Safety Suggestions, Courtesy of the Accident Fund

June 29, 2012 Leave a comment

Avoid Mower Hazards — Tips for Staying Safe this Summer


Machinery and tools used by groundskeepers each come with their own dangers. While lawn mowers seem relatively safe, they can be lethal in the hands of an inexperienced or careless operator. According to the U.S. Consumer Product Safety Commission, 200,000 people are injured in lawn mower-related accidents each year.
The following safety tips will help keep employees safe while mowing: Before starting the mower

  • Read the manual. User manuals explain proper procedures that must be followed to ensure operator safety. Proper training should also be provided for anyone who will be operating a mower.
  • Wear the appropriate personal protective equipment. Proper shoes, such as steel-toed boots, long pants and eyewear with impact-resistant lenses are a must. Earplugs and gloves are highly recommended. Dust masks may be used to prevent inhalation of dust and other air particles, but should not be used when working with chemicals, toxic gases or when there is an oxygen deficiency.
  • Clear the lawn before mowing. Objects can be thrown from a mower blade with significant force causing serious injury or death. Always clear your mowing path of sticks, rocks, toys, etc. Also, adjust your cutting height before starting the mower.
  • Check guards and shields. Be sure all protective devices are in place prior to starting the mower. Never remove the guards.
  • If the lawn is wet — wait!

Staying safe while mowing

  • Watch where you’re mowing. Never run mower over gravel, stones or hard, immovable objects, such as pipes, rocks or sidewalk edges.
  • Stay clear of the blade housing and the discharge chute. Never point discharge chute at others.
  • Do not fill the gas tank while the engine is running or hot. Always let the mower cool before adding fuel and be sure to do so outdoors.
  • Turn off the mower before making adjustments. Operators should never adjust or manipulate any part of the equipment while the mower is running.
  • Never allow extra riders on riding mowers. Extra riders can easily be thrown from or fall off the mower. They also distract the operator and can contribute to careless mistakes.
  • When leaving the seat, the operator should disengage the power take off, engage the brake, stop the engine and wait for all parts to stop moving before dismounting.
  • Do not use riding mowers on steep slopes. Operating a mower on uneven ground is the No. 1 cause of rollover accidents. Drive up and down slopes when operating a riding mower. Mow across the slope when using a walk-behind mower.

After mowing

  • Store gasoline outside or in a well-ventilated area away from any heat source.
  • Disconnect spark plug or power cord before working on your mower.
  • Regularly check and perform maintenance on your mower, including guards, tires, brakes, engine, etc.

Accident Fund is committed to providing our policyholders unrivaled WorkSafe Consulting Services and online safety materials.
If you’re an Accident Fund policyholder, log onto our website at and check out our WorkSafe Toolbox and other available safety tools.

For more information on the article and Accident Fund, click on the link below

Accident Fund Insurance Company of America Founded in 1912 and headquartered in Lansing, Mich., Accident Fund Insurance  Company of America is a licensed workers’ compensation insurer in 48 states and  the District of Columbia. Accident Fund is rated “A-” (Excellent) by A.M. Best  and is a wholly owned subsidiary of Accident Fund Holdings, Inc., the 13th  largest workers’ compensation insurer in the United States. For more  information, visit Accident Fund’s website

Categories: Uncategorized

Home Thefts – theft from both vacant and occupied homes are chronic problems. Here are some practical tips for reduce the risk to your property.

March 21, 2012 Leave a comment

I was reading two articles this morning. One was published in the Metro Times about a 71-year old woman who stayed at her niece’s for a week only to return to find her home scrapped and destroyed. It’s a heart breaking story.

I was also reading a discussion from insurance professionals discussing the increased occurrence of illegal scrapping from construction sites and vacant buildings. The solutions discussed were not all applicable to the typical home owner or property owner.

One of the insurance professionals shared a link to an article with some excellent information that can you understand how to make your home a less interesting target. Having your home broken burglarized or vandalized is upsetting even if you have adequate insurance protection. Maybe you’ll find some useful ideas here to avoid becoming the next victim:

Insurance fraud costs all of us

October 12, 2010 2 comments

Questionable insurance claims rose over 52 percent in the first half of 2010, according to a group dedicated to raising awareness about the cost of insurance fraud.

To increase awareness about this crime, Gov. Jennifer Granholm has declared this week, Oct. 10-16, as Insurance Fraud Awareness Week in Michigan.

“Many people wrongly believe that insurance fraud is a victimless crime,” said Lori Conarton, Communications Director, Insurance Institute of Michigan. “However, they are wrong. We all pay for this crime through our insurance premiums.”

A study by the National Insurance Crime Bureau found that questionable claims for excessive medical treatment, auto glass claims and staged accidents all rose significantly during the first six months of 2010.

Read more details here! (

Categories: Uncategorized

Txt Bck L8tr – Michigan No-Texting Laws Go Into Effect July 1st

June 22, 2010 Leave a comment

The State of Michigan is Disarming Mobile Fingers!

To all text-messagers:

On April 30th, Governor Jennifer Grantholm signed the no-texting-while-driving legislative package into law. The package includes HB 4394, HB 4370, and SB468.

 HB 4394 (the principle bill) outlaws text messaging by all motorists. It is considered a primary enforcement law which discloses that the police are permitted to pull over drivers for this offense alone.

 HB 4370 is a companion bill to HB 4394 and specifies that no points will be added to a driver license for a violation of the text messaging prohibition.

SB 402, another texting-related measure, specifies that violations of the text messaging ban are not to be recorded on the driver’s master record.

Penalties include a $100 fine (first offense) and then $200.

Not only are driver’s urged to ‘click it or ticket’, now, we urge drivers to ‘Txt Bck L8tr… It’s The Law!’