The Fourth of July is a time for BBQs, fireworks, family gatherings, and making the most of long summer days. Whether you’re heading to the beach, firing up the grill, or watching fireworks with the kids, safety should always be part of your celebration plans. After all, the best memories are the ones made without unexpected trips to the ER.

Here’s a quick guide to help you enjoy your Independence Day and summer activities — while keeping everyone safe and sound.

🔥Grill Like a Pro (Without the Fire Department)

Cookouts are a Fourth of July classic, but grills are responsible for thousands of house fires and injuries each year. Before you grab the tongs:

  • Keep your grill at least 10 feet away from your house, deck railings, and overhanging branches.
  • Never leave the grill unattended, even for a quick run inside.
  • Check for gas leaks if you’re using a propane grill. A simple soap-and-water solution can help reveal bubbles where gas is escaping.
  • Keep kids and pets at least 3 feet away from the grilling area.

Bonus tip: If you’re grilling at a park, make sure to fully extinguish charcoal and follow local fire safety rules.

🎇 Fireworks Fun — Without the Bang (Injury)

Fireworks might be festive, but they’re also one of the biggest hazards of the holiday. More than 10,000 people are injured each year in fireworks-related accidents, many of them children. Massachusetts law prohibits private citizens from using, selling, or possessing fireworks. This includes fireworks purchased legally elsewhere and then transported into the state.

  • Leave the big shows to the pros. Attend a public fireworks display if you can.
  • If using consumer fireworks is legal in your area, keep a bucket of water or hose handy, and light them one at a time.
  • Never relight a “dud”, and don’t let children light fireworks or sparklers. (Yes, even sparklers can burn at over 1,200°F!)

🌊 Water Safety: Pool, Beach & Boating

Whether it’s a lake day or a backyard pool party, water safety is non-negotiable:

  • Designate a “Water Watcher” — someone whose sole job is to keep an eye on swimmers, especially kids.
  • Wear life jackets on boats and personal watercraft, even if you’re a strong swimmer.
  • Don’t mix alcohol and swimming — it’s riskier than people think.
  • Watch for signs of dehydration and heat exhaustion, especially with kids. Pack plenty of water, snacks, and shade options.

☀️ Beat the Heat — Without Overheating

Between blazing sun, hot pavement, and long days outside, heat-related illnesses can sneak up fast:

  • Apply (and reapply!) sunscreen with at least SPF 30, especially after swimming or sweating.
  • Stay hydrated — water is best. Skip sugary sodas and alcohol when possible.
  • Dress for the weather: light, breathable fabrics, sunglasses, and hats go a long way.
  • Know the signs of heatstroke: dizziness, confusion, headache, nausea — and act quickly if someone shows them.

🧨 Have Fun, Stay Safe

This summer — especially during the Fourth — take a few extra minutes to think ahead about safety. A few precautions can make the difference between a joyful celebration and an unfortunate mishap. Celebrate responsibly, enjoy your time with loved ones, and let safety be a natural part of the fun. After all, summer memories are best when they’re happy and worry-free.

Have a safe and spectacular summer!

Read Other Blog Posts

Roundabout

Safe Driving Saves Money

For better or worse, your automobile insurance premium is a direct result of your driving record. While you can’t always prevent every accident or control what happens on the road, safe driving is one of the most powerful tools you have to protect both yourself and your finances. Keep reading to learn how maintain a safe driving record can lower your premium, and—as a result—protect your wallet.
Car driving

Buying a Car? Don’t Forget the Insurance Quote First!

Shopping for a new car can be exciting, but it’s crucial to check in with your agent before finalizing your purchase. Not all vehicles are created equal when it comes to insurance costs. Two cars might look similar on the outside, but one could cost you hundreds more per year to insure.
Shovel

Digging on Your Property? Here’s Why “Dig Safe” Should Be Your First Step

Under federal and state law, all homeowners and contractors are required to notify the appropriate utility companies before doing any excavation work. Keep reading to learn more about the standards for digging on your property.
What You Need to Know About Condominium Insurance in Groton MA

What You Need to Know About Condominium Insurance in Acton, MA

If you own a condo in Acton, MA, don’t assume the condo association’s master policy fully protects you. That policy typically covers the building’s exterior and shared spaces, but not the inside of your unit. Without your own Condominium Insurance, you could be on the hook for costly repairs to your walls, floors, or fixtures and replace personal belongings damaged by fire, water, or theft. It’s essential protection that helps ensure you’re not left paying out of pocket when the unexpected happens.
Sparkler 1200

Summer Fun and 4th of July Safety: Celebrating Smart

Summer is a time for BBQs, fireworks, family gatherings, and making the most of long days. Whether you’re heading to the beach, firing up the grill, or watching fireworks with the kids, safety should always be part of your celebration plans. After all, the best memories are the ones made without unexpected trips to the ER. Here’s a quick guide to help you enjoy your Independence Day and summer activities — while keeping everyone safe and sound.
Lightning

Lightning Storm Safety

Lightning storms light up the sky in dramatic fashion, but they’re also dangerous. A lightning strike can cause major injuries like burns, heart issues, or even brain damage. That’s why it’s important to know how to stay safe when one rolls into your area. Follow these helpful tips to help you stay safe.
Car in traffic

Risks of Lowering Auto Coverage

Many drivers look to reduce their auto insurance premiums by lowering coverage or dropping parts of their policy altogether. While it’s true that cutting back can save a few dollars in the short term, the long-term consequences of being underinsured can be financially devastating—especially in the aftermath of a serious accident. Learn about ways you can save without exposing yourself to major financial risk.
Students

The Good Student Discount

Teens and young adults often face hefty auto insurance premiums because, statistically, new drivers are more likely to get into car accidents. However, most carriers offer a way to help offset some of this financial burden—a good student discount. Learn more about how to qualify.
Senior driver

Driving Safely As You Grow Older

As you get older and wiser, you might come to the realization that you just can’t do some things quite like you used to. When it comes to driving, it's important to stay safe and feel confident behind the wheel. Learn about smart driving tips for seniors and precautions to ensure your safety and that of those around you on the road.

Visit Our Auto Insurance Page

Auto Insurance

At Murphy Insurance, we are here to assist you in obtaining the appropriate auto insurance. Choosing the appropriate auto insurance coverage can be overwhelming. Every insurance company has its unique offerings, making it challenging to compare options effectively. That’s where we shine. We simplify the process by helping you evaluate provider and policy choices, seek out discounts, and optimize your car insurance within your budget constraints. Ultimately, our goal is to provide you with peace of mind, knowing that you and your loved ones are well-protected.