Parenting a teenager can be a rewarding experience—but it also comes with real risks, especially when it comes to insurance and liability. In this video, Chip Frederick shares four of the worst risk management decisions parents can make, based on real-life claims and scenarios from the insurance industry.

From allowing teen drinking at home to skipping driver’s education, overlooking safety around recreational vehicles, and ignoring texting while driving—each of these decisions can have costly consequences. Chip outlines the proactive steps you can take to protect your family, reinforce smart habits with your teens, and ensure your liability coverage is prepared for the unexpected.

If you have teens and haven’t reviewed your umbrella coverage or liability limits recently, this is a must-watch. Our team is here to help you build an insurance plan that truly fits your family’s needs.