Fireworks Liability and Damages: What You Need to Know

When you host a fireworks show, you assume personal liability for any accidents or damages. This includes injuries to spectators or damage to property. Even with "Safe & Sane" fireworks, accidents can happen, and you could be held responsible. Ensuring you have the right insurance coverage is essential to protect yourself financially.

Homeowners and renters insurance policies typically provide coverage for fireworks-related incidents under personal liability coverage. This includes protection against accidental bodily injury or property damage caused by you, your family, or children under 21 living with you. However, there are exclusions, especially for incidents involving older children using fireworks irresponsibly.

Insurance policies often exclude coverage for expected or intended injuries or damages. This means if an incident is deemed intentional or due to gross negligence, your claim could be denied. For example, if a teenager uses fireworks inappropriately, such as blowing up a mailbox, the resulting damages are unlikely to be covered.

Fireworks can cause extensive property damage, including house fires and vehicle damage. In 2005 alone, fireworks were responsible for over $39 million in property damages and numerous fires. Being aware of local laws and regulations can help mitigate these risks. Always use fireworks responsibly and ensure you are compliant with local restrictions.

Safety should always be a top priority when handling fireworks. Here are some essential tips to keep your celebrations safe:

• Supervise Children: Never allow young children to handle fireworks. Even sparklers can cause severe burns.
• Maintain Distance: Light fireworks outdoors, away from buildings and flammable materials, and keep spectators at a safe distance.
• Have Water Ready: Always have a hose or buckets of water nearby in case of fire.
• Use Safety Gear: The person lighting the fireworks should wear safety glasses and avoid re-lighting dud fireworks.
• Follow Local Laws: Adhere to local regulations and report illegal fireworks to authorities.

Considering the high risks associated with fireworks, increasing your homeowners' personal liability coverage can provide additional protection. Raising your limit to $500,000 typically costs less than $20 per year and offers peace of mind against potential liabilities.

Fireworks can bring joy and excitement to any celebration, but it's essential to understand the associated liabilities and take proactive steps to ensure everyone's safety. By following these guidelines and ensuring adequate insurance coverage, you can enjoy your fireworks display with confidence.