Bensman Risk Management, Inc.

Insurable Interests

Bensman Risk Management, Inc.
2333 Waukegan Road Suite 275
Bannockburn, IL 60015
847-572-0800 Phone
847-572-0502 Fax

Insurable Interests may offer general financial, insurance, tax and business ideas. However, due to the ever-changing tax laws as well as the complexity of the financial industry, you should seek professional advice before implementing any of the ideas contained in this newsletter. The Bensman Group, Bensman Associates Ltd., Bensman Risk Management, Inc. or Schemata, L.L.C. assumes no liability whatsoever in connection with the use of this newsletter.

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Securities offered through Kestra Investment Services, LLC (Kestra IS), Member FINRA/SIPC. Investment Advisory Services offered through Kestra Advisory Services, LLC (Kestra AS). Kestra IS and Kestra AS are not affiliated with The Bensman Group, Bensman Associates Ltd., Bensman Risk Management, Inc. or Schemata, L.L.C.

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Insurable Interests

Vol. 15, Issue 2October 2019


Avoid Liability Risk at Halloween

In most places, homeowners who leave their porch light on are considered to be welcoming trick-or-treaters – and opening themselves to liability risk. To protect yourself, take these steps:

  • Keep your steps and walkways clear of tripping hazards.

  • Don't light jack-o-lanterns with candles.

  • If you have a dog, keep the dog confined until trick-or-treating is over. Even the friendliest dog can freak out at the sight of a tiny goblin.

  • If you are hosting a party at which alcohol is served, provide plenty of food and keep an eye on your guests. Arrange for a ride for anyone who appears to have been overserved. You should never let anyone drive away from any gathering at your home if the person is impaired.

  • If your older children are hosting a party, keep an eye on what is going on. If someone at the party is drinking and causes damage or injury after leaving, you could be liable, even if you did not give permission for or know about the drinking.

    Finally, it might be a good idea to review your liability coverages as we head into the holiday season. We would be happy to talk with you about this or any other insurance or risk management need. Contact us at 847-572-0808 or

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