During the summer months, many families take full advantage of the hot weather by testing the waters with sports and recreational watercraft, firing up outdoor grills, and splashing in backyard swimming pools. Summer can be tons of fun, but families should take a few precautionary steps to limit seasonal risks. The Independent Insurance Agents and Brokers of America offers the following tips to help make your summer a happy and safe one:

Driving/Vehicles

Boats
· Understand your liability and risks. Some boats 16 feet or smaller can be covered under your homeowners policy. However, any larger, or those with inboard motors typically require separate coverage under a special Boat Owners Policy. Boat Owners insurance is reasonable, with cost determined by size, liability, location of use, and dockage specifications. These policies can be purchased for as little as $300 a year and also provide the owner with additional liability protection.
· Never use a boat that is not equipped with fully operational safety equipment onboard. At a minimum, any boat should contain life preservers for all occupants, a well-stocked first aid kit, powerful flashlight, two-way VHF radio, fire extinguisher, flare kit, and local area water chart. Large boats should also contain additional lines of varied size and an inflatable lifeboat.
· Never exceed the passenger capacity recommended by the manufacturer, and always keep all owner's manuals onboard.
· Take a boat safety and operations course, sponsored in many communities by the US Power Squadron or Coast Guard.

Jet skis
· Jet skis and other similar recreational water vehicles are dangerous. They require separate insurance policies. Owners should also consult their insurance agent to make sure they have adequate liability coverage to protect them if they regularly ride tandem or injure others in an accident.
· No one under age 8 should ever ride a jet ski.
· Never use a jet ski in foul weather.
· Strictly follow all safety guidelines and make sure anyone driving the vehicle knows exactly how to operate it and shut it off.
· Take care and understand the risks in storing and transporting jet skis. Standard homeowners and auto policies will not cover theft of the water vehicle from a trailer.
· Use caution when renting a jet ski and know your responsibilities. Always consult an independent insurance agent to fully understand liability exposure and coverage in this situation.

Mopeds/Golf Carts
· Homeowners and auto policies will not protect you for theft, liability, or injury related to the use of these vehicles. They require special coverage, even for use only on the owner's private property. Tell your independent insurance agent if you purchase a moped, motorbike, or golf cart for your personal use.
· Don't let children operate these vehicles, and drive in control at all times.

Other/General
· Summer sun glare is an issue for all drivers of any kind of vehicle, and particularly for senior citizens whose eyes and/or prescription glasses can't easily accommodate changes in light. Unexpected glare can cause serious accidents. Be prepared by always keeping glasses, visors, or other sun shields in your vehicle, especially if traveling near or on the water.
· Never operate any vehicle under the influence of alcohol, certain prescription drugs, or fatigue. Obey all traffic laws and maintain safe driving habits.

Pool Safety

· Always fence in a pool in your yard, and check your state and local ordinances for fence height requirements. Fencing should include a locked gate that should generally remain locked. Understand that as a pool owner, you are responsible and liable for anyone who comes on to your property and into your pool--even accidentally!
· Always cover an empty or partially empty pool in the off-season. Serious injuries can result from children or others jumping or falling into a pool that is not full. When possible, consider an easily retractable pool cover to seal anytime the pool is not in use, even in the summertime.
· Never let children swim alone and keep a properly maintained supply of safety equipment in plain view of all swimmers. This would include life rings and other floats, lines, and a first aid kit.
· Maintain the pool properly. Check pools edges thoroughly at the beginning and end of each season to ensure that no tile, cement, or other material has come loose. Sun and other elements can damage these edges and pose a hazard to those who step or pull up on them. Always use a non-slip, quick-drying material to avoid injuries on walkways and other areas surrounding the pool.
· Drowning is the number one cause of death among children under 5. Strongly consider having a family member take a safety course to become Red Cross certified to help in the event of an emergency.
· Tell your independent insurance agent if you install a backyard pool. Some homeowners policies exclude pools, and extra coverage will be needed. Ensure that you have adequate liability insurance.
· It's best to avoid alcohol consumption when swimming. Always consume alcohol responsibly when swimming or entertaining at your pool.

Gas Grills

· Thoroughly clean gas grill at beginning of season. Replace and maintain fire extinguisher near but not on the grill at all times. Never throw a match in a grill especially after the gas has been on three seconds.
· Never wear a loose apron or loose clothing while grilling. Always wear shoes.
· Always use the grill's starter button. If the starter is broken do not use the grill. Cover the grill to avoid to corrosion and rusting in both the controls and gas line. Rust can make grill controls hard to read and make the starter button difficult to depress. Seniors may want to consider a grill with an automatic starter, rather than button starter that can become difficult to push.
· Avoid cooking foods with a high fat content as they can produce high flames. Always thoroughly cook food to a safe temperature.
· Never throw away grill instructions or owners manual. Follow manufacturer's directions carefully.