It’s official: summer is here!

And that means it’s time for barbecues, swim parties, and road trips. It’s also time for food poisoning, injuries, and car trouble.

How can you get the most out of the season, without falling prey to any of these perils? These tips will help:

Food Safety

Remember to cook food thoroughly.

Keep hot food hot and cold food cold.

Avoid using perishable ingredients (dairy products, mayonnaise) for dishes that will be served outdoors and may not be able to stay chilled.

Click here for tips to help you stay safe while grilling.

Water Safety

Keep an eye on children when they are near the water, whether poolside, at the beach, or on board a boat.

Be sure that no one (kids and adults) goes swimming alone.

Have life jackets on hand at your pool, and make sure everyone on the boat is wearing one.

Ensure that no one runs near the pool or spa, or on board the boat.

Driving Safety

Did you know that the Fourth of July holiday ranks as the nation’s deadliest in terms of people killed by drunk drivers? July and August are also among the deadliest months for traffic accidents, perhaps because the roads are so congested. So stay aware when you’re behind the wheel—and be sure that you designate a driver for every summer get-together you attend. .

Sun Safety

Use sunscreen with sun protective factor (SPF) 15 or higher, and both UVA and UVB. Make sure it’s not expired before you apply it! And remember to re-apply if stay out in the sun for more than two hours,

and after you swim or do things that make you sweat.

Cover up. We’re talking wide-brimmed hats, long-sleeved shirts, and pants that can protect you from the sun’s rays.

Drink up! Water and other fluids (aside from caffeinated, sugary, or alcoholic beverages) are vital in the heat.

During work or play, take regular breaks in cool, shady areas.

For more than 25 years, Beall Financial and Insurance Services, Inc., has been helping corporations and individuals protect their most important assets. The agency’s client base covers a spectrum of niche businesses, such as craft breweries, that require specialized insurance packages and knowledge. With California offices in Redlands and Newport Beach, Beall Financial and Insurance Services serves clients nationwide.