In a 2017 report by the Insurance Information Institute, statistics showed the United States comprised 28.15% of the world’s insurance premiums. Taking the number one slot in life and non-life premiums, it’s clear that we spend a lot of money protecting our assets and our finances, but how much do we spend on preventative measures to preserve our life and the lives of our loved ones?

It’s safe to say that none of us have attended the funeral of a loved one where the words “I should have had more insurance” were uttered. It’s more likely that we hear the words “I wish I could have done something to prevent this”, or “I would give anything to have my child back”. As we approach the summer months of outdoor fun and activities, don’t let this be you. Before you, or your family goes for a swim in a pool, or lake, or relaxes in a hot tub, make sure you’re not entering for the last time.


With electricity powering pool pumps, lights, boat generators, and similar accessories, any area around the water is a risk for electrocution or electric shock drowning. All it takes is a minor breach in wire insulation, lightning strike, or failure of the ground fault plug, and you may find yourself, or a loved one paralyzed from the current and unable to breathe.

You have smoke detectors, carbon monoxide detectors, and security alarms as insurance against those respective hazards. But, do you have something to protect you from electric shock drowning?

Before that happens, we encourage you to buy a ShockAlarm for your pool, hot tub or dock. For far less than the equivalent of one month of insurance premiums for an individual, you can buy a device that will alert you to any electrical current running through the water. And, after you buy your ShockAlarm, call your insurance agent and ask for a discount. While we can’t guarantee that you will get a discount, you can help us educate the insurance industry about the dangers of electric shock drowning.