The 4 Worst Risk Management Decisions You Can Do as a Parent of Teens


Being a parent of a teen can be a joyous time but at the same it can be a time of uncertainty and stress. Hello my name is Chip Fridrich and today I am going to give you four terrible risk management decisions that you can do as a parent of teenagers.

I am giving you these tips based on actual claims instances that we have seen in our industry with the hopes that you won’t have the same pitfalls.

Terrible decision number one – allowing drinking by other teens at your home or worse than that – serving teens alcohol in your home. Don’t do it. This is a huge liability for you and your family in so many ways. Injuries can occur as well as automobile accidents and property damage. Common sense should prevail here, but many times it does not.

Bad risk management decision number two – not signing your teenager up for driver’s education classes. These classes are offered in schools as well as private companies. This training should be essential and a rite of passage for any new driver. It is a no brainer because you will receive a discount on your auto policy for having your teen take the course.

Bad risk management decision number three is not closely monitoring your teen’s use or their friend’s use of watercraft, Seadoos, ATV’s, or similar recreational vehicles. These machines are extremely dangerous even for adults. Make sure you check and see if safety classes are offered by local dealers and that your teen is well versed in all safety precautions.

And finally, the most important thing you can do as a parent of teens that you might not be doing right now is failing to establish that texting while driving is unacceptable and this all starts with us as parents. If our kids see us doing it they will follow our lead.

Claim costs are skyrocketing across the country and teenage members of the household often lead the way. Be safe, prudent, and aware and if you are a parent of a teen and you do not have an umbrella policy, then we need to talk today.

Contact me for a no obligation consultation to look over your entire insurance program. We will work with you to craft a program that makes sense for you and your family. And if you have teens, we will definitely discuss liability coverage so you and your assets will be protected.

Our agency has a combined 320 years in the insurance industry with an average of 30 years per associate – that’s a world of experience. If you are interested in learning more about becoming a customer of an agency where you are treated as “one of one” instead of “one of several thousand”, contact us at We’re different and it’s our goal to be that way.


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