Risk Management Magazine

As the Christmas season approaches, many of us are decorating our homes, finalizing our wish lists and planning big meals. During this exciting time, however, we must not forget the holidays also bring an increased risk of home fires.

I should be dead. The rate at which my head was accelerating when it struck the concrete barrier would have ended my life had it not been for my Kevlar.

There was a huge thud and then everything went black. When I woke up, I was face down in the snow in a rapidly spreading pool of blood.