Summer is the season for picnics, backyard barbecues, family reunions and graduation parties, as friends and family members gather outdoors to celebrate a milestone, or perhaps simply enjoy the beautiful summer weather.

When enjoying the sunshine with loved ones, getting sick may be the last thing on your mind. But as most of these get-togethers involve dining al fresco, the warmer weather also makes it easy for bacteria to grow, potentially causing food poisoning. Year-round, most food poisoning cases are caused by salmonella, E. coli, campylobacter and listeria, but all of these bacteria grow more quickly in warmer temperatures. With outdoor buffets or picnics, often sans refrigeration, the risk of illness is much more likely.

Some homeowners insurance policies cover food poisoning in situations where guests incur medical expenses or endure "pain and suffering" by missing work. However, there are limits to both of these coverages. This summer, agents can help keep their clients informed about the nature of their policy, as well as provide tactics for protecting party guests from foodborne illness.