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liability insurance for summertime business

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 insurance solutions for just about any type of business, regardless of company size, claims history, or the risk involved…because this is our specialty – this is true peace of mind.

June National Safety Month

National Safety Month is an annual campaign championed by the National Safety Council (NSC) every June. It’s a time dedicated to raising awareness about the importance of creating safer environments, from workplaces to every place in between. Since its inception in 1996, National Safety Month has been instrumental in providing a wealth of complimentary resources aimed at spotlighting the primary drivers of preventable injuries and fatalities.

Understanding the critical significance of this observance is essential for businesses and individuals alike. At XINSURANCE, we recognize that safety extends beyond a single month and must be a continual commitment. Let’s embrace National Safety Month as a prompt to unite in our efforts to enhance safety protocols, not just this June, but throughout the entire year. Together, we can proactively make everyone’s lives safer.

The NSC provides free resources for topics like safety engagement, roadway safety, risk reduction, and slips, trips, and falls.


As we continue to monitor COVID-19, XINSURANCE will be here today, tomorrow, and in the future; providing service, answering questions about risks, helping you with commercial and individual liability risks, and more. New and emerging risks are being realized every day, and XINSURANCE has always been at the forefront of meeting new risks and perils head-on. We just want you to know that we are here for you and to give you true peace of mind. We are happy to answer any questions you have about opening or reopening your business this summer!

We recommend that businesses and individuals follow CDC guidelines for planning, preparing, and responding to COVID-19. They also provide plenty of prevention and support tips. As for XINSURANCE, we are following guidelines and recommendations from the CDC along with the directions of state and local leadership to ensure the health and safety of our employees. Our teams are ready to do what it takes to get the job done!

Ask about our new communicable disease liability coverage option. This endorsement enhances your existing insurance policy and provides coverage for negligent exposure to any declared pandemic disease or pathogen, including COVID-19!

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 and Adventure Courses, Zip Lines, etc.
  • ATVs, UTVs, Golf Carts, Segways, Scooter Rentals, etc. (Tours, Guides, or Rentals)
  • Water Sports (Jet Ski Rentals, Parasailing, etc.)
  • Paragliding and Hang Gliding
  • Water Parks and Lifeguards
  • Skydiving
  • Mountain Biking, Hiking, etc. (Tours and Guides)
  • Holiday Events, Fairs, 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 solutions 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 true peace of mind you deserve so you can focus on running a successful business.


We provide customized insurance solutions through an all-in-one approach to fit your needs. Coverages can include:

  • Commercial General Liability
  • Equipment Rental Liability
  • Commercial Auto Liability (available in most states)
  • Professional Liability
  • Products Liability
  • Spectator Liability
  • Premises Liability
  • Special Events
  • Riot & Civil Commotion Liability (new coverage option)
  • Excess Medical
  • Property Coverage
  • Communicable Disease Liability Coverage (new coverage option)
  • D&O, E&O
  • Wrongful Acts
  • Animal Liability
  • Active Shooter 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 insurance solutions for businesses and individuals. Our underwriting team brings you over 40 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 today!


[updated 6/7/2021]

Rick LindseyAuthored by Rick J. Lindsey, President, Chairman, and CEO of XINSURANCE

Rick J. Lindsey hails from Salt Lake City, Utah. He began working in the mailroom of his father’s Salt Lake City insurance firm, getting his introduction to the business that became his lifelong career. Rick J. Lindsey quickly rose through the ranks while working in nearly every imaginable insurance industry job. As an entrepreneur, specialty lines underwriter, claims specialist, risk manager, and a licensed surplus lines broker, Rick J. Lindsey is highly skilled in all levels of leadership and execution. As he progressed on his career path, Rick J. Lindsey discovered an urgent need for insurers willing to write policies for high-risk individuals and businesses. He was frequently frustrated that he could not provide the liability protection these entities desperately needed to safeguard their assets. He also formed the belief that insurance companies acted too quickly to settle frivolous claims. Rick J. Lindsey decided to try a different approach. He started an insurance company and became the newly formed entity’s CEO. This opportunity has enabled Rick J. Lindsey to fill a void in the market and provide a valuable service to businesses, individuals, and insurance agents who write high-risk business. XINSURANCE also specializes in helping individuals and businesses who live a lifestyle or participate in activities that make them difficult for traditional carriers to insure. If you’ve been denied, non-renewed, or canceled coverage, don’t give up quite yet. Chances are XINSURANCE can help.