Across the country, many individuals are setting plans in place for the arrival of summer. From cross-country road trips to surfing at the local beach, the summer likely means more travel and outdoor expeditions. While it's easy to get distracted by all the fun in the sun, there are a number of insurance risks and needs consumers should consider first. Many people go on vacation or travel around the world during the summer. But even extensively planned trips can be disrupted by an unforeseen incident, like losing your luggage. Others sprinkle in some time to try their hand at extreme sports like hiking or rock climbing. Even taking the family boat out to sea can create some risky exposures. Summer should be a time of fun and relaxation, but that doesn't mean insureds should be any less diligent about their exposures. Minimize your exposures and maximize your protections with these four tips from the National Association of Insurance Commissioners (NAIC). With these in mind, you'll be sure to have a safe and memorable summer. Related: Shaping up for summer: Top 4 risks for fitness facilities