It’s Boating Season

Knight Magee Insurance Company in Richmond Virginia

It’s Boating Season

It’s Boating Season

Every summer, our team gets calls from customers after a fun weekend on the water takes a turn for the worse. Often, these accidents could have been prevented with just a few simple precautions. Here are a few tips we like – courtesy of our partners at Safeco.

Don’t let an accident wreck your fun!

Life Preservers Aren’t Just for Kids. It’s not enough to just have life jackets on board — wear them! In an accident, people rarely have time to reach for a life jacket. This rule applies to adults, not just children: More people in their 30s die in boating accidents than any other age group. Life vests have come a long way in style. Today, you can even get vests for your water-loving dog!

Watch the Back of the Boat. Carbon monoxide kills in minutes. So tell your passengers where your exhaust pipes are located and turn off your engine when people are in the water, and don’t let passengers “ski” or “teak-surf” by holding on to the back of the boat. Both Washington and Oregon made teak-surfing illegal in the last few years, after several tragic deaths. Carbon monoxide detectors are standard on most new boats; older boats install devices for less than $100!

Alcohol and Boating Don’t Mix. More than 50 percent of drowning’s result from boating incidents involving alcohol. You don’t drink and drive, so don’t boat and drive.

Boats Need TLC Too. When you’re out on the water, make sure your gas tanks are vented and bilges are free of vapors, oil, waste and grease. Carry a charged fire extinguisher. Have your boat’s operating systems checked yearly by a certified marine technician. The Coast Guard Auxiliary and United States Power Squadrons also offer free vessel safety checks.

Experience Counts! The U.S. Coast Guard says that operator errors account for 70 percent of all boating accidents. Make sure anyone who drives your boat is properly trained. You can also earn boat insurance discounts from Safeco and other insurers if you complete a safety course with the Coast Guard Auxiliary or U.S. Power Squadrons.

Sites for Information:

Coast Guard: www.uscgboating.org

Coast Guard Auxiliary: nws.cgaux.org/

Safeco tips: www.safeco.com/insurance-101/consumer-tips/your-boat

*Most home insurance policies have limited coverage for boats. If you own a boat, watercraft insurance is your best bet: It covers theft, damage, and injuries or accidents while you’re on the water, as well as some of your expensive watersports gear.

We have a variety of boat insurance options. Give us a call at (804) 320-0129 or email myagent@kmicoverage.com


Stress Awareness - Knight Magee Insurance

Stress Awareness Month

Stress Awareness - Knight Magee Insurance

Relax! April is Stress Awareness Month

Believe it or not, the average stress level of Americans has dropped since 2007, according to the American Psychological Association (APA).

But, we here at Knight Magee Insurance understand if you don’t exactly feel that way.

Even though things have improved, the APA’s most recent Stress in America™ survey indicates that Americans are still living with stress levels higher than what’s considered healthy. And nearly one-quarter of respondents say they aren’t doing enough to manage it.

It’s a good thing, then, that Stress Awareness Month is here. Held every April since 1992 and sponsored by the nonprofit Health Resource Network, Stress Awareness Month is a “national, cooperative effort to inform people about the dangers of stress, successful coping strategies and harmful misconceptions about stress that are prevalent in our society.”

Stress management doesn’t just help you feel calmer and more focused. It’s important to your overall health. Constant exposure to stress can trigger your brain’s alarm system to remain in alert mode, flooding your system with the hormones you need to take flight or fight when facing danger, according to the Mayo Clinic. This causes more stress in and of itself. And, all that stress can cause problems with your health, your relationships and your overall quality of life.

So, reducing your stress is well worth your while, and, if you don’t know where to start, we’re here to help. These tips from the Mayo Clinic and WebMD will get you headed in the right direction:

  • Make stress management a goal — and make a commitment to that goal. Simply saying, “I want to reduce stress” isn’t enough. You’ve got to learn to identify problems and implement solutions, which takes work.
  • Identify your triggers. What situations cause you to experience stress? Work? Relationships? Thinking about money? Don’t overlook everyday tasks, such as commuting, or even positive events, such as starting a new job.
  • Consider strategies to deal with those specific triggers. For example, creating a budget plan or talking to a financial adviser could help ease your worries about finances. Changing your hours at work could potentially improve your commute.
  • Practice relaxation techniques and live a healthy lifestyle. Here are just a few tools that people use to help alleviate stress:
  • Deep breathing, yoga or tai chi
  • Meditation and guided imagery — imagining yourself in a place of relaxation
  • Writing or talking to someone about your feelings
  • Exercise (even simple stretching or housework) and outdoor recreation
  • Art and other creative projects
  • Ask for help. Many people you know have probably experienced similar stresses to your own. Find out how they have solved problems and relieved stress. And, if they are still having trouble, you can work on managing issues together. 

April in RVA is a great time to try to reduce stress and live a healthier life. So, what are you waiting for? At the end of the month, see how you feel. Keep doing the things that worked for you; stop doing the things that didn’t.

Remember, when you make stress management a bigger part of your life, you leave less room for the stress itself.


Earth Day - Knight Magee Insurance

Earth Day

Earth Day - Knight Magee Insurance

Take part in an Earth Day event — or celebrate in your own way 

People are thinking more and more about the environment — whether it’s something that affects the quality of life here in RVA or global issues such as climate change and extreme weather.

But more importantly, people aren’t content with simply thinking about these things any more. They’re focused on taking action.

Earth Day, which is celebrated April 22, is the perfect time to take action, whether you are looking to take part in a community event or organize your own. Here are some tips to help you get involved — and think about our planet Earth all through the year.

Find an event

It’s easy to find Earth Day events, whether you live in the city or a surrounding county. City and town Facebook pages are a great place to start, along with the websites of local environmental organizations. Newspapers, radio and TV often publicize events as well.

The Environmental Protection Agency website lists major Earth Day activities at: https://www.epa.gov/earthday/index.html.

What can I do?

There are all kinds of Earth Day activities, even some you can easily complete by yourself or with your family. Examples include:

  • Planting trees
  • Cleaning up litter from a natural area or park
  • Adopting a road for litter control
  • Talking about Earth Day and helping to educate others
  • Using alternate transportation, instead of taking your car
  • Holding a garage sale or clothing swap, rather than throwing out unwanted items
  • Learning more about actions you can take to reduce your environmental impact

What if I want to organize an event?

Hosting an event doesn’t have to be a Herculean task, particularly if you keep it small. Any of the ideas above could be turned into your own event — just get the word out via social media, friends and family or even local print and broadcast media. But if you do want to organize a full-scale event, go for it!

Make it more than a day

Of course, one of the best ways to have an impact is to make every day your own Earth Day. You can take part in earth-friendly activities at any time! So in addition to celebrating once a year, make this April 22 just the beginning of something special. Whether you find an event or create your own, the important thing is getting involved!


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