holidays

You Should Know: Tips for Food-Safe Holidays

Each year, 48 million people fall sick from foodborne illnesses. Of those, 128,000 are hospitalized and 3,000 die. One in six Americans could get food poisoning this year alone.

Food Safety and the Civil Justice System, a recently published landmark study by the American Association for Justice, traces a growing number of serious foodborne illnesses to questionable practices by some large factory farms [download report]. Overcrowding and unsanitary conditions increase the chances of bacterial contamination entering the food supply. Overuse of pharmaceuticals and chemicals to prevent disease in livestock and produce have also been associated with the rise in “super bugs,” bacteria that become resistant to antibiotics. Diseased livestock, improperly handled produce and poor government oversight all add to the problem.

Contamination at this level won’t be prevented without the help of improved government oversight and a robust civil justice system that continues to hold wrongdoers accountable. You can, however, lessen the chances of food poisoning in your home as follows:

Clean, Separate, Cook, Chill

While preparing any meal, remember these four steps from the Centers for Disease Control (CDC) to keep bacteria away from food, utensils and yourself.

  1. Wash: Clean hands and surfaces often. Illness-causing bacteria can collect on hands, utensils and surface areas. Also wash fruits and vegetables, but not meats.
  2. Separate: Don’t cross-contaminate foods. Raw meat, poultry, seafood and eggs can still spread harmful bacteria to ready-to-eat items if they aren’t kept separate. Use one cutting board for fresh produce and another for raw meat, poultry and seafood.
  3. Cook: Use a food thermometer to measure the internal temperature of cooked foods. Check temperatures in several places to make sure that meat, poultry, seafood, eggs (or dishes containing eggs) are cooked to safe minimum internal temperatures as shown in the Safe Cooking Temperatures Chart.
  4. Chill: Illness-causing bacteria can grow in perishable foods in just two hours. Refrigerate foods promptly and properly, and throw out food before it begins to spoil.

Tips for On-Time Turkey Time

Is your Thanksgiving often interrupted by multiple trips to the grocery store, or worse yet, a bird that isn’t done when guests are ready to eat? What about sorting out all those leftovers? Well, then you should check out this handy guide from FoodSafety.gov with tips on how to streamline your schedule – from shopping to preparation to cooking to storing leftovers – and ensure a safe, delicious Thanksgiving dinner at your home.

The United States of Thanksgiving

The turkey is safely prepped and the kitchen is sparkling clean. What next? The New York Times recently investigated something that all Americans can agree on – Thanksgiving dinner! Here are 52 recipes representing each state as well as D.C. and Puerto Rico. See what neighbors are cooking, or find a dish for guests traveling from afar. You might even add a new favorite to your annual feast.

 This article appeared in our November 2016 "You Should Know" e-newsletter.

You Should Know: Your Responsibilities as a Party Host

Protect Yourself and Your Guests When Hosting a Holiday Party

Hosting a party this holiday season? Before stamping that last invitation, learn how you can protect yourself and your guests. The legal principles at work here are called premises and social host liability. Here are tips and suggestions for preventing injuries and protecting your interests before guests arrive:

Let’s Start with Alcohol

“Holiday cheer” is often synonymous with alcoholic beverages in many people’s minds. There is nothing wrong with that thinking, but homeowners should be aware that they may be held liable in some states if intoxicated guests leave the party and cause injury or property damage to others. So...

  • Encourage guests to pick a designated driver.
  • Stock plenty of non-alcoholic beverages and serve food.
  • Don't pressure guests to drink too much and cut off anyone who has already had enough.
  • Call a cab for intoxicated guests, give them a ride (if you are sober), or offer a place to sleep at your house.
  • Never allow minors to drink.
  • As the host, stay in control by not drinking too much yourself.
Click to view a Drinking & DUIs During the Holidays infographic

Click to view a Drinking & DUIs During the Holidays infographic

Now, Look Around Your House

As the property owner, you are responsible for protecting your guests from unsafe conditions on your property. So...

  • Fix any tripping hazards like broken stairs or loose handrails, double-stick tape throw rugs and secure extension cords.
  • Remove any dangerous items that might injure children like an old freezer, a broken swing or poison hazards.
  • In colder climates, keep sidewalks and steps free of ice and snow.
  • If you have a pool, keep gates locked or make sure kids are supervised by an adult if using the pool.
  • Consider restraining pets as you may be liable if a guest is bitten or scratched.

Review Your Homeowner’s Insurance

The liability coverage in your homeowner’s insurance may be your final line of defense if someone is hurt during a party at your home. So...

  • Make sure it is in force and that your policy limits are high enough to cover an injury. Standard minimums of $100,000 to $300,000 may not be enough to cover all the costs associated with a serious injury.
  • If you have significant assets in addition to your home, consider an umbrella policy for added liability protection.
  • Check for exclusions and contact your agent if you have any questions.

This article appeared in our November 2015 "You Should Know" e-newsletter.