Sierra Knight Magee, Author at Knight Magee Insurance - Page 2 of 20

Author Archives: Sierra Knight Magee

Jet Ski and Wave Runner Safety

Category : General

Jet Ski and WaveRunner Safety

 Stay Safe on Your Jet Skis™ and WaveRunners™

 For a lot of people in Virginia, summer means getting out on the water. And you don’t even need a boat to do it. Personal watercraft, such as Jet Skis and WaveRunners, provide a fun and accessible way to enjoy the water.

However, these small, fast and maneuverable watercraft can present their own set of safety issues. So if you’re planning to make waves, let us at Knight Magee Insurance help you out with some safety tips. We want you to be able to hit the water next summer, too!

Make sure you’re following the law

  • In addition to U.S. Coast Guard boating regulations, which operators and passengers must follow (personal watercraft are classified as Class A inboard craft), many states have specific laws regarding personal watercraft such as Jet Skis and WaveRunners. Make sure you are aware of these laws before you hit the water in Virginia.
  • While state regulations vary, they may require the operator to be of a minimum age, complete a safe boating course and/or obtain an operator’s certificate. States and cities may also regulate speed limits, hours and areas of operation.
  • Because they are classified as Class A inboard craft by the Coast Guard, the following items are required on board personal watercraft: An approved personal floatation device for all passengers, a fully charged B-1 type fire extinguisher and a whistle or horn for signaling or warning.

 

Be prepared with safety gear

Other things to have handy on board include:

  • Your owner’s manual
  • A small waterproof first-aid kit
  • Flares, brightly colored cloth or a mirror to use as a distress signal
  • A tow rope
  • Sunscreen
  • A helmet - many personal watercraft injuries are to the head
  • Sunglasses or goggles

 

When you’re on board

First, make sure your kill-switch safety lanyard is attached to your life jacket or wrist, so if you fall off, the engine will stop. And remember, you are required to know and obey the rules of the water. It’s a good idea to take a boating-safety course to learn these rules, as well as other essential knowledge.

Other helpful tips:

  • Know your load limits, and don’t carry more weight than your watercraft can handle.
  • Know where you’re going, and the hazards in that area, such as rocks, pilings, etc.
  • Remain constantly alert for other watercraft, as well as swimmers, divers, water-skiers and people fishing. Don’t operate your watercraft in swimming or fishing areas.
  • Weekends and holidays with high boat traffic can be especially dangerous.
  • Never operate your personal watercraft after dark.
  • Be considerate of others. Noise is a common complaint about personal watercraft, so don’t stay in one location for too long. Also, avoid early-morning rides.
  • Remember, you are responsible for any damage caused by your wake. Avoid creating wakes near other individuals or boats.
  • Finally, don’t use alcohol before or during your time on the water. Your passengers and fellow boaters will be grateful, and you’ll be less likely to have an accident.

We hope to see you out on the water this summer and remember, we can help you get the insurance coverage you need for your personal watercraft. Give us a call today!

 

 


Summer Kid’s Activities

Category : General , Helpful Hints

 Summer Kid Activities

 Summer’s Coming – What to Do With the Kids?

 It’s the age-old question that parents in RVA face every year: How do we keep the kids occupied this summer?

Well, there are always the biggies, such as theme parks or camping. But, with work and other obligations getting in the way, not to mention your budget, you can’t always get away from home. So, we here at Knight Magee Insurance have compiled a list of some activities that are both educational and fun — and that your kids are sure to enjoy!

Art Projects
There are a number of ways you can encourage the young artist in your family, from programs and offerings at local museums to do-it-yourself art projects. Try these ideas from The Artful Parent, a website focused on encouraging art and creativity in children:

  • Splatter painting: Spread an old sheet out in the yard, grab some watered-down acrylic paint and a brush or a spoon. Then, have your kids dip the brush or spoon and flick their wrist to splatter the paint! Try different colors and motions to make interesting patterns.
  • Body painting: Kids love to paint themselves! Washable, nontoxic tempera paint is just the ticket, and it comes off with soap and water.
  • Grape and toothpick sculptures: This is as easy as it sounds. Get a bowl of grapes and a box of toothpicks. The grapes hold their shapes well and are easily pierced by the toothpicks to create towers and other structures. And, when you’re done, you have a healthy snack!

 

Science Activities

 

Have a budding scientist around the house? Try these basic projects from PBS:

  • Grow something. Having your kids grow flowers, herbs or vegetables creates a long-term learning activity that encourages monitoring and observation.
  • Cook something. Working together in the kitchen invites all kinds of questions: What does baking soda do? Why is gelatin such a weird consistency? How do ingredients interact?
  • Get outside. The outdoors is full of things for kids to examine — plants, worms, frogs, bugs and more! Even running through the sprinkler can be an educational opportunity, once the rainbow appears.
  • Stay up late ... and look up. A clear summer night is perfect for checking out stars and pointing out constellations. You can talk to your kids about the various planets, and maybe even catch a firefly or two.

 

Reading — It’s Not Just for School


Encouraging your kids to read over the summer can help them when school gets back in session, so don’t miss an opportunity. You can share the newspaper in the morning, or simply read the cereal box at breakfast. Even a few minutes a day can have a big impact.

You might also consider the Scholastic Summer Reading Challenge, a free online program for children from May 4 to September 4. Last year more than a million kids from 29 countries took part, and this year’s program features free book lists, a sweepstakes and the chance to set a world record.

Of course, there are thousands of things you can do with your kids in RVA over the course of the summer. If these ideas aren’t up your alley, consider summer camp, local music and sports programs or volunteering in the community.

Summer will be over before you know it, so make the most of it!

 

 

 


Knight Magee Insurance Company in Richmond Virginia

Why an Independent Insurance Agent?

Category : General , Helpful Hints

Knight Magee Insurance Company in Richmond Virginia

Why an Independent Agent?

Not all insurance agents are the same! Choosing the right one can make a big difference – in price, service, and value.

With other agencies, you get one company that sells one brand of insurance. With an independent insurance agency like Knight Magee Insurance you get choices.

Why? Because independent insurance agencies, like Knight Magee Insurance, represent a number of different insurance companies, and can compare coverage and prices to find the best possible value for your individual circumstances. As independent agents, we are members of the Richmond community, and we’re committed to doing business face-to-face and being your advocate in times of need.

Serving RBA and the entire state of Virginia, here are a few reasons why Knight Magee Insurance should be your first and last top when looking for insurance.

  • We work for you when you have a claim.
  • We are not beholden to any one company. This means you don’t have to change agencies as your insurance and service needs change.
  • We are your consultants, working with you as you determine your needs.
  • We are value-hunters who look after your pocketbook in finding the best combination of price, coverage, and service.
  • We offer one-stop shopping for a full range of products, including home, renters, auto, business, life, health, and retirement plans.
  • We can periodically review your coverage to keep up with your changing insurance needs.
  • We are committed to customer satisfaction – it’s the key to our livelihood.
  • We treat you like a person, not a number.
  • We are licensed professionals with strong customer and community ties.

There is a difference. To find out how our independent insurance agency can help you find the right insurance coverage, please contact Knight Magee Insurance today. Give us a call today at 804-320-0129.

 


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