summer safety tips Archives - Spencer Insurance Agency, Inc

Happy Memorial Day! Check out the tips in the “Summer Section” of our website.


Your friends at Spencer Insurance Agency wish you a wonderful Memorial Day weekend.  We hope it is the start of a summer that will bring you some relaxation and recharging.

Please join us in celebrating our brave Men and Women who have given their life defending our freedom.  Make sure the veterans in your circle know how much you appreciate the risks they took, and how glad you are they survived.

As the unofficial start of summer begins make sure you check out the “Summer Section” of our website for some of these valuable tips:

  • Renting a car this summer. Should you buy the rental car company’s insurance?
  • Renting a Jet Ski, personal watercraft or boat this summer? Do you have any insurance on your homeowner’s policy?
  • Time to brush up your Teen Driver’s skills
  • Are you getting ready to send a student off to college? How will that affect your car and homeowner’s insurance?  Is “Their Stuff” covered?
  • Going on a trip out of the country? What happens if you get sick and need urgent medical care?  What if you trip is cancelled due to weather?  What if your luggage doesn’t show up at your destination?  We have Travel Insurance to give you peace of mind.  Check it out.

Have a great summer and as always don’t hesitate to contact us at 215-885-2200 or to review your summer needs.

Have a wonderful Memorial Day Weekend!

Flag historic

All of us at Spencer Insurance Agency hope you have a wonderful Memorial Day Weekend. Memorial Day is the unofficial start of summer in our area.  Many of us will be heading down the shore or to the Poconos.

Since it is the start of summer we want to mention that we have a “Summer Section” of our website with information and frequently asked questions we receive during the summer months. Have some “summer toys”, renting a car on vacation or getting your child ready to head off to college? Check out our “Summer Section.”

Also, let’s make sure we pause to celebrate the reason we celebrate Memorial Day. It commemorates U.S. men and women who died while in the military service. First enacted to honor Union soldiers of the American Civil War (it is celebrated near the day of reunification after the Civil War), it was expanded after World War I to include all who made the ultimate sacrifice for their country. Many people observe this holiday by visiting cemeteries and memorials. A national moment of remembrance takes place at 3:00 p.m. local time. Another tradition is to fly the flag of the United States at half-staff from dawn until noon local time.  Volunteers often place American flags on each grave site at National Cemeteries. Members of the Veterans of Foreign Wars take donations for poppies in the days leading up to Memorial Day; the poppy’s significance to Memorial Day is the result of the John McCrae poem “In Flanders Field.”

In addition to remembrance, Memorial Day is also used as a time for picnics, barbecues, family gatherings, and sporting events. One of the longest-standing traditions is the running of the Indianapolis 500, which has been held in conjunction with Memorial Day since 1911. Please join us in celebrating our brave Men and Women who have given their life defending our freedom.  Make sure the veterans in your circle know how much you appreciate the risks they took, and how glad you are they survived.

Your friends at Spencer Insurance Agency, Inc.,

Summer is upon us! I thought this would be a good time to share some “Summer Tips” with you.


  • Beach and Pool: Skin Cancer is a serious problem. Make sure you use sunscreen, UVA/UVB sunglasses, and wear a hat to avoid prolong exposure to the sun.
  • Grill Safety: Keep an eye on that gas grill and make sure the hoses have not been chewed by animals. Make sure to clean the grill periodically as grease buildup can cause flare ups and fires. Charcoal grills are more dangerous than gas grills. Be careful when applying the lighter fluid. The location of your grill is critical. Keep it away from your house and garage. Be careful if you grill on the deck especially with charcoal grills. A house on my street had a fire that was caused by a coal that escaped from the bottom of the charcoal grill and fell under the deck. The coal smoldered until later that night when flames shot up the side of the house.
  • Water safety: Learn more about pool and boat safety. The American Red Cross offers tips on their website at The U.S. Coast Guard offers many tips for boater’s safety. Consider taking a Coast Guard safety course which are offered locally. Check out the Coast Guard website at
  • Make sure you check on your elderly neighbors and family. Make sure their homes are properly ventilated with fans or air conditioning to keep them cool and safe.
  • Pets: Make sure you protect your pets from the heat. Keep them in shady areas and do not do any strenuous exercising with them when it is hot. Stay away from asphalt and sandy areas as their paws could burn. Make sure they have plenty of water even when you travel or take them with you on a summer picnic. Make sure you protect them from fleas and ticks as you don’t want your home to become infested with these annoying bugs.

Spencer Insurance Agency has many valuable Summer reports on our website at  Some of the topics we discuss on our website are:

  • Taking your child to college? How is your insurance coverage affected?
  • Should I purchase the extra coverage for the car I rent while on vacation?
  • School is out! Time for that talk with your teen driver (see our teen driver corner in this newsletter).
  • Are your “Summer Toys” properly covered? (Boats, jet ski, motorcycle, ATV or golf cart)

Spencer Insurance Agency is always ready to discuss your safety and protection with you.  Call us today with any questions at 215-885-2200.  You can also email us or visit our website for more tips.

All of us at Spencer Insurance Agency hope you have a safe and enjoyable summer!

Stay Safe This Summer!

This week sees the official beginning of the Summer Season.  Here are a few Summer Safety Tips:

Water Safety: Tragic water accidents happen quickly. The most common reason for aquatic mishaps is a lack of safety knowledge. Below are some very important safety recommendations while staying cool this summer:

  • Learn to swim
  • Swim near a lifeguard
  • Never swim alone
  • Supervise children closely, even when lifeguards are present
  • Don’t rely on flotation devices, such as rafts, you may lose them in the water
  • If caught in a rip current, swim sideways until free, don’t swim against the current’s pull
  • Alcohol and swimming don’t mix
  • Protect your head, neck, and spine — don’t dive into unfamiliar waters — feet first, first time
  • No glass containers at the beach — broken glass and bare feet don’t mix
  • No beach fires except in designated areas — fire residue and superheated sand can severely burn bare feet — use a barbeque      that is elevated off the sand
  • Report hazardous conditions to lifeguards or other beach management personnel
  • Never turn your back to the ocean — you may be swept off coastal bluffs or tide pool areas and into the water by waves that can come without warning

Rip Currents

Rip currents are the most threatening natural hazard along our coast. They pull victims away from the beach. The United States Lifesaving Association has found that 80% of the rescues affected by ocean lifeguards involve saving those caught in rip currents.

A rip current is a seaward moving current that circulates water back to the sea after it is pushed ashore by waves. Each wave accumulates water on shore creating seaward pressure. This pressure is released in an area with the least amount of resistance, which is usually the deepest point along the ocean floor. Rip currents also exist in areas where the strength of the waves are weakened by objects such as rock jetties, piers, natural reefs, and even large groups of bathers. Rip currents often look like muddy rivers flowing away from shore.

Rip currents are sometimes mistakenly called “rip tides” or “undertows.” These are misnomers. Rip currents are not directly associated with tides and they do not pull people under.

Try to avoid swimming where rip currents are present, but if you become caught in one, swim parallel to the shore until the pull stops and then swim back to shore. If you are unable to return to the beach, tread water and wave for lifeguard assistance.

Stay at least 100 feet away from piers and jetties. Rip currents often exist along the side of fixed objects in the water.

Be aware of ocean conditions. Lifeguards are trained to identify potential hazards. Ask a lifeguard about the conditions before entering the water.


Boating Safety:  The U.S. Coast Guard provides many classes and safety tips for boaters.  We suggest you become familiar with boating safety laws in your state.  Check out the U.S. Coast Guard’s Boating Safety Tips.


Hot Weather Tips for your Pets:  The ASPCA has many tips on how to protect your pets during these hot summer months.  Check out the ASPCA site for these tips.  Don’t forget to care for your pets during these hot months.


Spencer Insurance wants to make sure you protect yourself and your family during these enjoyable summer months.  Make sure your family is properly protected during the summer.  Check with us about your boat, motorcycle and RV insurance coverage.  Go to our website for more information.