Summer is a time for fun, travel, and outdoor activities—but it also brings a spike in accidents and insurance claims. From backyard parties and boating outings to road trips and home renovations, the warmer months carry increased risks for homeowners, renters, and business owners alike.
We believe that prevention and protection go hand in hand. Here are some common summer accidents—and how the right insurance can help you reduce risk and recover faster.
1. Backyard and Pool Accidents
Pools, trampolines, and even a slippery patio can lead to serious injuries. Hosting summer BBQs? A guest could easily trip, fall, or worse.
How to Protect:
- Ensure your homeowners policy has sufficient liability coverage.
- Consider a personal umbrella policy for additional protection.
- Install proper fencing, non-slip surfaces, and always supervise children.
2. Boating and Watercraft Mishaps
Boating accidents rise in the summer due to more traffic and less experience on the water. Collisions, injuries, and property damage can turn a relaxing day into a costly disaster.
How to Protect:
- Carry boat insurance, even if it’s not legally required in your state.
- Ensure liability, hull damage, and uninsured boater coverage are included.
- Wear life jackets and avoid boating under the influence.
3. Auto Accidents During Summer Travel
More people hit the road in summer, which means more distracted drivers, construction zones, and increased accident risks—especially for families on vacation.
How to Protect:
- Make sure your auto insurance includes adequate liability, collision, and roadside assistance.
- Consider rental car coverage if you’re traveling.
- Perform a vehicle safety check before any road trip.
4. Contractor or Renovation-Related Claims
Summer is prime time for home improvement. But hiring contractors without the proper checks can result in accidents, damage, or uninsured claims.
How to Protect:
- Ask contractors for proof of liability insurance and workers’ comp.
- Update your home insurance if you're adding square footage or new structures.
- Consider a builder’s risk policy for major renovations.
5. Business Risks During Outdoor Events
Restaurants, vendors, and event organizers often expand operations outdoors in summer. But tents, stages, grills, and crowds increase liability exposure.
How to Protect:
- Ensure your commercial general liability covers off-site events.
- Add event liability insurance for one-time functions.
- Use proper signage, staffing, and crowd control measures.
Don’t Let Summer Surprises Derail Your Season
Accidents can’t always be prevented but the right insurance helps you recover faster, with less stress and fewer financial headaches. Whether it’s your home, car, boat, or business, we’re here to help you protect what matters.