Common summer insurance claims
As the summer season is upon us, it’s a perfect time to go over some of the most common outdoor insurance claims we see during this period and provide you with tips on how to prevent them. Understanding these risks can help you enjoy your summer activities with peace of mind.
1. Swimming Pool Accidents
Swimming pools are a great way to cool off during the summer, but they also come with significant risks. Common claims include slip-and-fall accidents, drowning incidents, and injuries from diving. To prevent these, ensure your pool area is fenced and supervised whenever in use, use non-slip mats around the pool, and implement strict no-diving zones.
2. Barbecue Fires
Outdoor barbecues are another summer favorite that can lead to fire-related claims. To minimize risk, always keep your grill clean and free of grease buildup, never leave it unattended while in use, and position it away from flammable materials such as wooden decks or low-hanging branches.
3. Trampoline Injuries
Trampolines offer fun and exercise but are notorious for causing injuries. Avoid these by placing your trampoline on a flat, soft surface away from any obstacles, ensuring it has proper safety netting and padding, and enforcing rules such as no flipping or roughhousing.
4. Watercraft Incidents
Boating and other water sports are popular in the summer, leading to various insurance claims from watercraft collisions to personal injuries. Make sure to follow all boating regulations, wear life jackets, maintain and inspect your watercraft regularly, and never operate them under the influence of alcohol.
5. Heat-Related Illnesses
Extended exposure to high temperatures can cause serious health issues like heat exhaustion and heatstroke. To prevent these, stay hydrated, take frequent breaks in the shade, and wear appropriate, light clothing. Pay close attention to children and the elderly, who are more susceptible to heat-related illnesses.
The summer season should be a time of relaxation and enjoyment, not worry and risk. By taking these preventive measures, you can make the most of your outdoor activities while staying safe and protected.
If you have any insurance questions Merit Insurance Group is here to help! Call us at 708-845-5466 or visit our website at www.meritinsurancegroup.com