Putnam Umbrella Liability Insurance: Reducing the Risk of Food Illness

Putnam Umbrella Liability Insurance: Reducing the Risk of Food Illness
Putnam Homeowners Insurance Reducing the Risk of Food Illness

Summer is a great time for food; notorious for barbecues, pot-lucks and picnics as we congregate with our families and friends to enjoy the longer days and warm nights. Getting sick is often the last thing on anyone’s mind when grilling up their favorites meals for their loved ones, but millions of cases of food related illness are reported every year, many of which come from improper food preparation and storage. Warmer weather makes it easy for bad bacteria to grow on those tasty dishes, which can increase the potential of contracting food poisoning. Salmonella, E. coli, campylobacter and listeria are the most common food-borne pathogens which can grow rapidly in meats and cause devastating health effects for you and your guests. Should a guest get sick, you could be held liable for their illness. While some Putnam homeowners insurance policies cover food poisoning expenses in situations where guests incur medical expenses or endure hardships due to missing work, the standard coverage is often limited. If you love to host parties or festivities you may need extra liability protection in the form of a Putnam Umbrella Liability Insurance policy.

Pre-planning and proper food consciousness can help decreases your chances of serving up a potentially hazardous dish. From shopping to food preparation here are a few tips to reduce the risks of food-borne illness at your next function:

  • Inspect all packaging and food quality before purchasing the product. Avoid purchasing meat with excessive juices or leaky packaging, as this can lead to cross-contamination. Wrapping meats in a plastic produce bag is a great way to minimize the potential of cross-contamination other items.
  • Keep meats, dairy and other perishables cold. The “danger zone” for most products is between 40 and 140 degrees Fahrenheit, this range is where bacteria are most prolific.  The USDA recommends that foods should never be without refrigeration or heat for more than two hours, or an hour in hotter temperatures. Taking a cooler to the grocery store on a hot day can help keep goods cool on the drive home and prevent bacterial growth. It is critical to monitor the temperatures of your dishes in any setting where they are exposed to the weather.
  • Don’t defrost meat by letting it sit out. Proper defrosting techniques include transferring meat items from the freezer to the refrigerator, placing the item in cold water in a sealed bag and changing the water every 30 minutes, and microwaving the item at a low temperature.  Marinated meat should always be refrigerated until ready to use.
  • Never mix raw or uncooked meats or meat juices with cooked item. Having two separate dishes and utensils, those for raw and others for cooked meats, will dramatically reduce the risk of cross contamination by reintroducing the cooked meats to bacteria. Also, never use meat juices to baste cooked meats, instead use new uncontaminated marinades or sauces.

At Byrnes Agency, we are dedicated to helping Connecticut homeowners protect themselves and their investments. We can help assess your specific risk exposures based on your lifestyle and secure you the best Personal Insurance to fit your needs, including Putnam Umbrella Liability Insurance.  Our Putnam Homeowners Insurance specialists will take the time and care needed to make sure you understand the various options available to you. Contact us at one of our locations listed below to get started.

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Dayville Office

Phone: (860) 774-85
394 Lake Rd
Dayville, CT 06241
United States
info@byrnesagency.com
Hours of Operation: Monday- Friday 9:00am-5:00pm

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Norwich Office

Phone: (860) 886-5498
6 Consumers Avenue
Norwich, CT 06360
United States
info@byrnesagency.com
Hours of Operation: Monday- Friday 9:00am-5:00pm

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Woodstock Office

Phone: (860) 928-7928
1226 Connecticut 169
Woodstock, CT 06281
United States
info@byrnesagency.com
Hours of Operation: Monday- Friday 9:00am-5:00pm

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