Height of the Season: Summer Risks - Capstone Brokerage

Trying to make the most of what is looking to be a mostly homebound summer, families are looking to create spaces and activities for their children and friends to still salvage what is left of the season.  This includes additions of swimming pools, jacuzzis, trampolines, and new pets.  But while they may be more concerned with the threat of coronavirus, there are still risks very much present even at home.  Go over the safety precautions that can be particular to your indoor and outdoor environment this summer and even reach out to your insurance contact to make sure you’re covered in the event of injury or damage.  And whether you’re staying home or still trying to make the most of summer by traveling, camping, or going to the beach, you’ll still need to be vigilant on coronavirus safety. 

Backyard Dangers

            According to the National Safety Council, on average 10 people die from drowning every day outside of boat related incidents.  While the peak for accidental drownings is among one and two-year olds, it’s important for children, teenagers, and adults to fully understand pool safety.  Knowing how to swim and never swimming alone are among the top suggestions in safe pool habits.  Additionally, knowing CPR and having a first aid kit available are even more valuable precautions to take.  And of course, keeping any kind of pool gated or fenced off can be the difference between life and death for many children and infants who happen to wander outside a parent’s watchful eye.  These precautions can also come in handy for other backyard dangers such as trampolines.  Trampolines with safety nets provide more protection for children and decrease the risk of fracture or breaking an appendage should they land on the ground or improperly on the trampoline itself.  Additionally, if getting a trampoline is something your considering, think about increasing your personal liability insurance.  If a child’s friend or neighbor gets injured, it will be the responsibility of the homeowner. 

On the Grill

            The chosen form of backyard cooking for most in the summer months, grilling cannot only create delicious food, but amazing memories.  It’s always best to be familiar with the type of grill you’re cooking on whether it be charcoal, gas, or electric.  When grilling, never leave any open flame unattended and only allow adults while cooking is going on.  All grills and even fire pits should be kept away from any structures or overhanging tree branches.  If conditions for grilling are not ideal, whether it be windy or rainy, it’s best to avoid try to light the fire, especially with any kind of accelerant.    Having that first aid kit handy will also be key if there is any need for it due to a burn or other injury. 

New Pets

            With more time being spent at home, this is the optimal time for many to adopt new members of their families.  However domesticated pets, especially dogs, present their own specific risks you may not be prepared to take on without careful consideration.  Adequate training resources or consistent training routines that will mitigate the chances of potentially very dangerous dog bites should be a part of the plan prior to.  Not only can these bites be painful, but about 1 in 5 dog bites requires medical attention and can easily spread disease.  Once again, if your dog attacks or bites another person, you will be held personally liable, with or without sufficient insurance coverage. 

Safe Summer Basics

            Unfortunately, it’s looking like this summer will still be spent in the midst of a pandemic, requiring our approach to summer safety to extend beyond the typical recommendations of drinking plenty of water, wearing plenty of sunscreen, and being careful of bug bites.  With the threat of coronavirus still looming, no matter where you are, always try to keep 6 feet between you and people outside your household.  When out and about, whether it’s the grocery store or even a trip to the beach, it’s always best to wear a face mask whenever possible to protect yourself and the people around you.  If you hold a barbecue or a get together with friends, keep the guest list to a minimum and make sure not to share any utensils, plates, or cups.  And of course, wash your hands often and bring hand sanitizer for times when washing your hands isn’t always an option. 


National Safety Council

Red Cross

Centers for Disease Control