To safely enjoy such popular and fun winter sports as skiing and snowboarding, it is essential to be responsible and to know your abilities.   Reckless skiing, however, can be extremely dangerous. In fact, during the past 15 years an average of 34 people were killed skiing or snowboarding and 45 serious injuries occurred in the 1998-99 season, says the National Ski Areas Association.

Before getting on those slopes:

• Make sure your equipment is adjusted for your size, weight and ability.
• If your equipment is more than a year old, get it serviced in a local ski shop.
• Label your equipment because skis and snowboards often look alike and can be mistaken for those that belong to other people.  

Dress appropriately:

• Always use sunscreen and protect your eyes with goggles or sun glasses. The sun reflecting off the snow is stronger than might be expected in the winter.
• Consider purchasing or renting a helmet -- it may provide protection from serious head injuries.
• Rent or purchase ski clothing that will keep you warm and dry. Make sure you can bend and move comfortably.

• Take lessons from qualified instructors. Lessons will help you to become a better skier or snowboarder. Also, before going on a chair lift, learn how to get on and off safely.
• Learn the types of exercises you can do before hitting the slopes to get your body in shape. And remember to stretch before and after skiing or snowboarding.

When skiing or snowboarding:

• Pay close attention to weather forecasts and warnings. Icy trails can be dangerous.
• Start on an easy slope and work your way up if you are skiing for the first time this season or if you are skiing on a new mountain, no matter how tempted or skilled you might be.
• Stop skiing if you feel fatigued, overly cold or hungry. Hypothermia is dangerous and can even be fatal. Drink plenty of fluids so that you don't become dehydrated.
• Observe signs and warnings and keep away from closed trails or from trails that might be beyond your skill or ability.
• Avoid skiing in remote places, especially by yourself.

• Whenever starting downhill or merging, look uphill. Always yield to those coming down. It may be hard for them to stop promptly.
• Remember, skiing and snowboarding do not mix with drinking alcohol!
• Stay in control and be alert. Don't rely on other skiers to be responsible.

Once off the slopes, make sure your equipment is stored away safely and securely. Lock your skis and snowboards even if you only leave them for a few minutes. Also make sure to lock your car and/or ski house.

Skiing and snowboarding equipment can be very expensive, so it's a good idea to have insurance. If you have homeowners or renters insurance, you will usually be covered for theft and other perils listed in your policy, minus the deductible. For broader coverage, you might consider purchasing a floater. Keep your receipts to know how much your equipment is worth. For specific questions regarding insurance, talk to your agent, broker or company representative.