Summertime is here, and we all know the 4th of July is around the corner. I’m sure everyone’s looking forward to going to a party, having a barbecue, maybe watching fireworks. It’s critical that you understand if someone gets injured, even negligently–meaning you don’t mean for somebody to get hurt–while you are putting on a fireworks show at your home, you could be held responsible. And typically, your homeowner’s insurance policy should cover you, but be careful, look at your policy, and make sure there are no exclusions for setting off things like fireworks or using anything that is abnormally dangerous.
On the other hand, if you go to another person’s house and they’re setting off fireworks, and you get injured, again, typically, you can claim their insurance policy for their negligence if they did something wrong causing your injuries.
So, the most important thing is to have fun, but be careful. If you can, go watch a professional fireworks display, as those are generally much safer than doing it yourself.
I hope this was helpful, and everyone, have a great 4th of July!