4th of july

Common 4th of July Insurance Claims

The 4th of July is a popular holiday for grilling, getting together with loved ones, and having some fun outdoors. While the holiday brings lots of fun, it’s important to keep safety top of mind! Accidents can always happen. Being aware of how to mitigate those risks can help make your 4th of July go on without a hitch. Here are some of the most common 4th of July insurance claims.

Fireworks Injuries

Fireworks are a 4th of July staple! But, they can be dangerous. The best option is to watch your local fireworks. If you plan on setting off fireworks, make sure to follow directions, and be extremely careful!

  • Set them off in a clear area away from people, children, pets, and buildings.
  • Remove any flammable objects from the area
  • Have a fire extinguisher on hand

While large fireworks can be a big spectacle, watch out for sparklers as well. Supervise children when using them. Sparklers can cause burns and could even start a fire!

Check out more firework safety tips here.

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Grilling Accidents

Nothing says 4th of July like a cookout. There are hazards that come along with grilling. Keep safety in mind as you fire up the grill for some hotdogs and hamburgers.

  • Be careful of fire! Regardless of whether you use charcoal of propane to grill, make sure you keep the flames under control.
  • Keep a fire extinguisher or fire blanket handy in case a fire does break out.
  • Keep children and pets away from the grilling area.
  • Review more ways to stay safe while grilling here.

Along with grilling safety, food safety is important as well. The last thing you want is to accidentally give your guests food poisoning. Make sure that all meat reaches adequate temperature before serving. Keep serving dishes and utensils clean. And make sure that meat and raw food is not cross-contaminated.

Auto Accidents

With people traveling to visit friends and family, use extra precautions while driving. For some, Independence Day involves drinking alcohol. There could be drunk drivers on the road. Drive defensively and be aware of the potential dangers.

If you, or others, decide to consume alcohol, never get behind the wheel. After even one drink, the cognitive ability can be impaired. Instead, call a taxi, Uber, or a friend for a ride. 

Make sure to talk to your agent about your auto insurance policy. Insurance can help protect you in the event of an accident.

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Complete our online quote form today

Boating Accidents

If you decide to take your boat out on the water, be careful. There may be more people out on the water than a typical day out. Exercise best practices and stay alert of dangers on the water.

  • Keep an eye out for swimmers and people in the water
  • Make sure that everyone on the boat has a life jacket. Don’t bring more people onto your boat if there isn’t enough safety equipment.
  • Take your boat in for a maintenance check before you take it out on the water
  • Check out more boating safety tips here

Talk to your insurance agent about boat insurance and what happens if you get into an accident. They can help you review your coverage and help you find out what types of boat insurance you’ll need for this upcoming holiday.


Even though these are some of the common insurance claims for the 4th of July, it’s always important to be prepared. While we hope accidents don’t happen on a holiday weekend, they can still happen. That’s why it’s important to have insurance coverage. Insurance can help protect you financially. Chat with an Encharter agent about ways you can stay safe this summer.

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