For more information or to get a quote contact us today



email: [dtBlogPostSidebarAuthorEmail]

Liability Insurance for Summertime Businesses

The summer is the best time for people to go outside and enjoy the weather. A lot of businesses open their doors once again for fun activities including water sports, ATVs, amusement parks, and more. We want to stress the importance of having liability insurance for summertime businesses. Accidents happen anytime, anywhere, and no matter what type of business you’re running, you should consider having liability insurance. We can provide coverage for just about any type of business, regardless of company size, claims history, or the risk involved…because this is our specialty.

Summertime Activities Covered:

In short, we help a countless number of companies, no matter their situation, so be sure to contact us to get a quote.

Here are some examples:

  • Boating, Kayaking, Canoeing, etc.
  • Ropes & Adventure Courses, Zip Lines, etc.
  • ATVs, UTVs, Segways, Scooter Rentals, etc. (Tours, Guides, or Rentals)
  • Water Sports (Jet Ski Rentals, Parasailing, etc.)
  • Mountain Biking, Hiking, etc. (Tours and Guides)
  • Holiday Events and Festivals such as Independence Day
  • Special Events, Fireworks, and Pyrotechnics
  • And More!

Know The Facts

Nearly 2 million Americans are injured each year from popular summertime activities, according to hospital tracking data from the U.S. Consumer Product Safety Commission. Some of the most common summertime accidents are car accidents, heatstroke, water accidents, bike crashes, sunburns, food poisoning, playground accidents, bug bites, fireworks, and pet hazards.

Let’s break it down by common summertime activities:

  • Water Sports – 29,000 injuries each year
  • Amusement Parks, State Fairs, Carnival Rides – 37,000 injuries each year
  • Volleyball – 59,000 injuries each year
  • Trampoline – 83,000 injuries each year
  • Swimming – 181,000 injuries each year
  • Soccer – 214,000 injuries each year
  • ATVs, Mopeds, Mini Bikes – 221,000 injuries each year
  • Playgrounds – 244,000 injuries each year
  • Baseball and Softball – 261,000 injuries each year
  • Bicycles – 550,000 injuries each year

In addition, there were an estimated 11,000 fireworks-related injuries in 2016 and 7,600 of those injuries happened between June 18 and July 18.

Summertime activities typically require a lot of physical activity which leads to a common injury – common slip and fall. They’re one of the leading causes of unintentional injuries, accounting for 9 million visits to the emergency room every year.

Are you taking proper precautionary steps to ensure safety? Is it enough?

Liability Insurance For Summertime Businesses

It doesn’t matter if your business is new, small, or a fortune 500 company. We provide liability insurance even if you’ve been dropped, non-renewed, or canceled. We are here to help you if you’re struggling to get liability insurance for the summer season. No matter what the case may be, don’t be a victim of insufficient coverage. Let XINSURANCE be your partner and give you the peace of mind you deserve so you can focus on running a successful business.


We provide customized insurance coverage through an all-in-one approach to fit your needs.

  • Commercial General Liability
  • Equipment Coverage
  • Commercial Auto (not available in all states)
  • Professional Liability
  • Spectator Liability
  • Excess Medical
  • Property Coverage
  • D&O, E&O
  • Wrongful Acts
  • Animal Liability
  • Alleged Sexual Abuse and Molestation Liability
  • Alleged Assault & Battery Liability
  • And More!


XINSURANCE is powered by Evolution Insurance Brokers, LC, an excess and surplus lines brokerage. We provide specialty customized liability insurance for summertime businesses and individuals. Our underwriting team brings you over 30 years of experience, along with the ability to offer customized limits, coverage, deductibles, and premiums to create the perfect plan for your protection.  If you’ve been denied, non-renewed, or canceled coverage, we can help. We take on risks others simply can or will not.

XINSURANCE is a proud member of the Michigan Festivals and Events Association.

We are also proud members of America Outdoors and World Waterpark Association.

Contact Us

If you need help, have questions, or want us to review your current policy, contact Logan Fitzgerald at 801-304-5562 or

Contact us and get a quote for liability insurance for summertime businesses and individuals, today!