But with that fun, accidents may happen. The potential liability comes from either having fun at the expense of other people or their property, or failing to take proper precautions.

The easiest way to prepare for summer liability is to ask yourself some questions:

• What can I do to keep others safe from my activities?
• Am I prepared for the responsibility for the people I hurt or the property I damage?
• How do I make my home and yard safe for fun-seeking visitors?
• Am I keeping my guests to various events safe?

Many accidents can be prevented by making sure you and your children enjoy your activities responsibly. Operating bikes safely and in low traffic areas reduces the chance that others will get hurt. Adult supervision is critical for potentially dangerous activities such as trampolines and swimming pools. It’s important to make sure your guests for camping or hiking trips are watched carefully. In many cases, you are responsible for the safety of your guests.

Another way to reduce the chance of others being injured is to do an inspection of your home and yard. Consider these questions:

• Do you have a fence with a secure or self-locking gate to protect young children from a pool when you’re not around?
• Is your playground equipment well-maintained and strong enough to support the weight of children using it?
• Is your yard and driveway free of tripping hazards?
• Are dangerous items such as tools, chemicals and lawn equipment kept out of reach of children?

When accidents happen, they may be followed by medical expenses and maybe even lawsuits. You must be protected against these financial consequences. Don’t assume you have coverage.  You may have to add coverage to your homeowners policy or even buy special coverage for mini-bikes, mopeds, boats, etc.

Make safety a part of your summer fun. Contact your insurance agent to make sure you have the right coverage.