Summer is a season of recreational fun and personal relaxation; a blissful stretch blessed with balmy weather to enjoy long weekends with friends and family, the children and grandchildren off from school. Unfortunately, summer is also the riskiest season of the year.

Automobile accidents and related fatality rates alarmingly rise during summer months, particularly among teen drivers. Summer is also when people are more likely to become injured or ill due to heat stroke and water-related accidents. It's also the riskiest period for someone ill or injured to have to go to a hospital.

Liability exposures

Summer brings us all a range of wonderful activities, but many of these pursuits are fraught with liability exposures — particularly for high-net-worth families and individuals. Summer may entail long vacations to far-flung locales, backyard parties by the pool and outdoor bar, guests staying at one's homes and pleasure-seeking jaunts on diverse watercraft. But the warm weather also invites fire threats at mountain cabins, and hurricane winds and floods at coastal homes.

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