Hosting Summer Gatherings? What You Didn’t Know About Liability Coverage

Summer is the season of backyard barbecues, birthday parties, graduation celebrations, and spontaneous pool hangs. While these gatherings create lifelong memories, they also come with a little-known risk—liability.

Here’s what you need to know before you fire up the grill:


1. Slip-and-slide… and claim?
If someone slips on your patio or trips over a sprinkler hose, your homeowners insurance may provide liability protection—but not always. Certain injuries, like those involving trampolines or diving boards, might be excluded unless you’ve disclosed them and adjusted your policy.


2. Dog bites and guest injuries
Love your pup? We do too. But not all breeds are covered under standard homeowners policies. If your dog bites a guest—even if it’s never shown aggression—you could be personally liable.


3. Fireworks and fire pits
Planning a mini fireworks show or lighting up the backyard fire pit? Check your local ordinances and your insurance policy. Fires gone wrong can lead to property damage or medical claims not covered under a basic policy.


4. Alcohol liability is real
If you serve alcohol at your party and someone leaves intoxicated and causes harm, you could be held partially responsible. Liability coverage varies, but we strongly recommend confirming your protections with an agent.


The Bottom Line:
Insurance is the last thing you want to think about at a pool party, but being underinsured could turn a summer celebration into a financial headache.


Let us help you review and reinforce your coverage before the guest list grows.