The celebration of the birth of our nation on Independence Day often involves fireworks, backyard barbecues, boating, beaches, and other outdoor fun. Whether it’s July 4th or any other summer celebration, here are a few tips for keeping safe while you’re having fun.




Keep Kids Safe

Make sure children are supervised while celebrating outside during the holiday. Whether in the pool, on the beach, or just in the backyard, it only takes moments for kids (especially small ones) to get into trouble.  Watch for choking hazards with small toys or other items. Never leave a child unsupervised near a body of water.  Lifeguards aren’t babysitters. If you are at a pool, follow pool safety rules.  Turning your back for just a moment could result in tragedy. Know how to recognize signs of drowning.

Grill Safely

Grilling is a great way to bring family and friends together, so please follow these grilling safety guidelines.  Be sure you clean and safety-check your gas or charcoal grill before using it, and don’t leave it unattended. Grill-related incidents cause millions of dollars of damage. Also, follow safe food preparation protocols to ensure no one gets sick.

Drink Responsibly

If you have alcoholic beverages, know your limits and be responsible.  Accidents can happen more easily when under the influence.  Have a designated driver to ensure you and your guests get home safely from your July 4th celebration, whether at home or elsewhere.  Don’t drink and drive!

Leave Fireworks to the Professionals

Massachusetts law prohibits private citizens from using, selling, or possessing fireworks. This includes fireworks purchased legally elsewhere and then transported into the state.

Stay Hydrated

Drink plenty of water and fluids while out in the hot sun to avoid dehydration and other heat sickness. Consuming alcohol in the sun can cause dehydration, so be sure to drink water along with your adult beverages. Keep an eye on children, older adults, and pets, who are more at risk of heat stroke. Take breaks in the shade when possible.

Apply Sunscreen

Use sunscreen on the beach, backyard, or park to protect yourself and your children from sunburns and potentially skin cancer. Protective clothing, sunglasses, and sunscreen make a huge difference. For very young children, talk to your doctor about appropriate products.

Follow Safe Boating Practices

If your celebration involves being on the water, review safe boating practices. If it’s your boat, review safety practices with guests before you set sail and ensure enough appropriate life jackets for everyone. Be sure to follow state boating laws and travel at safe speeds. Don’t drink and drive, which applies to boating, too.

Read Other Blog Posts

Candle on table

Candle Safety Considerations

Candles provide a warm ambiance for an intimate dinner, a sparkling decoration for a birthday cake or a nice scent for your home. Ambiance aside, candles can be a fire hazard if they are left unattended or placed where they can start other objects on fire. If you enjoy candles, be sure to follow these tips to use them safely.
Introducing the Murphy Insurance Condominium Owner’s Manual Your Guide to Preventing Costly Condo Repairs & Damages SMM

Introducing the Murphy Insurance Condominium Owner’s Manual: Your Guide to Preventing Costly Condo Repairs & Damages

Murphy Insurance Agency has launched a new Condominium Owner's Manual designed to help you prevent costly home repairs and avoid common insurance claims. Backed by decades of real-world experience, this practical guide provides seasonal tips, safety advice, and a comprehensive maintenance checklist to protect your home—and your wallet—all year round. Download your copy today!
Deer Sign

Road Safety and Wildlife: What Drivers Need to Know

Every year, countless accidents occur because drivers aren't prepared for unexpected encounters with animals on the road. Whether it's a deer darting across a rural highway or a stray dog wandering into city traffic, these moments can be dangerous for both humans and animals. Staying alert and understanding how to respond in these situations can make a critical difference in preventing harm and keeping roads safer for everyone.
Quest for the Best 2025

We Did It Again! 5-Time Gold Winners in Quest for the Best

We’re proud to announce we’ve won Gold in MyFM 101.3’s Quest for the Best – Insurance Category for the 5th year in a row! Thank you to everyone who voted and continues to support us. If you're a client, we’re grateful for your trust. If you’re looking for a second opinion, we’d love the chance to earn your business.
Happy driver

The Benefits of Raising Your Limits

An overwhelming majority of states require individuals to carry insurance in order to operate a vehicle. While meeting these minimum limits may be enough to get you on the road, they may be inadequate if you are involved in a serious accident. For better protection, you may want to consider raising your limits to secure proper protection.
Murphy Insurance Team

27 Reasons to Work with Murphy Insurance Agency

For more than 88 years, Murphy Insurance Agency has been a trusted partner for families, individuals, and businesses across Massachusetts. As a family-owned and independent agency, we prioritize relationships over transactions, offering guidance and support tailored to your needs. With access to more than 25 top-rated carriers, we deliver personalized solutions, competitive options, and peace of mind. Discover 27 reasons why thousands have chosen Murphy Insurance to protect what matters most.
Personal Article Floater

What Is a Personal Article Floater—and Do You Need One?

Many people assume that their home or renters insurance covers all their personal belongings—but it's not always that simple. While these policies do offer significant protection, there are usually limits, especially when it comes to high-value or one-of-a-kind items. If you own something valuable, rare, or that you often take with you, you may want to consider adding a personal article floater to your coverage.
Home Fall Prep for Winter

Fall Into Home Prep: Smart Projects to Help You Avoid Winter Insurance Claims

Fall is the perfect time to tackle home maintenance projects before winter sets in. Use our seasonal checklist to protect your home, prevent costly damage, and keep everything running smoothly—inside and out.
Living room

Renting Out Your Home? Here’s What You Need to Know About Liability and Insurance

Renting out your home—whether short-term or long-term—can provide extra income but also introduces legal and insurance risks. Before listing your property, it's essential to research local laws, use a clear rental agreement, screen tenants carefully, and ensure your insurance policy provides the right coverage. Taking steps like securing valuables, documenting your home’s condition, and staying accessible can help protect your property and minimize potential issues.

Visit Our Personal Insurance Page

Personal Insurance

Life is an ever-changing journey, and it deserves a thoughtful, comprehensive plan to protect the things and people that matter most. Our dedicated team at Murphy Insurance is here to assist you in creating that plan. With a wide range of product options at our disposal, we ensure that your plan is tailored precisely to your requirements. Our commitment to providing clear, intelligent guidance to help you achieve true peace of mind. Learn more about our personal insurance portfolio.