Summer’s Here—Is Your Business Ready for the Risks That Come With It?
As the summer sun rolls in, business activity often ramps up—especially for contractors and industries that operate outdoors. From increased job site demands to employee safety concerns, summer brings a unique set of risks that many businesses don’t consider until it’s too late. Now’s the time to make sure your insurance coverage—and your risk management strategy—is ready for the heat.
More Projects, More Exposure
Summer is prime season for contractors, landscapers, pool builders, painters, and other trades. With longer days and fewer rain delays, schedules fill fast. But more projects also mean more chances for accidents, injuries, and insurance claims. Busy worksites are vulnerable to everything from property damage and equipment theft to costly liability issues.
If your business is taking on more projects than usual, make sure your coverage limits match your current exposure. General liability, commercial auto, and inland marine policies should all be reviewed and updated as needed.
The Real Heat Risk: Employee Safety
One of the most significant risks in summer is also the most obvious: the heat.
High temperatures can be dangerous for crews working outdoors, especially on rooftops, asphalt, and unshaded construction zones. OSHA has increasingly prioritized heat-related illness and injury prevention, and in some areas, inspectors may be actively visiting job sites.
Simple steps like providing cool water, shaded rest areas, and flexible schedules during extreme heat can help you stay compliant—and most importantly, keep your workers safe.
Also worth noting: if an employee suffers a heat-related illness on the job, it could trigger a workers' comp claim. Ensuring that your policy is active, up to date, and provides the appropriate level of coverage is essential.
Coverage Gaps When Staff Take Time Off
Summer is also peak vacation season. But fewer hands on deck can mean more exposure for your business, especially if you're operating with reduced oversight or relying on temporary hires.
Ask yourself:
Are backup drivers properly insured under your commercial auto policy?
Are you protected if an error or accident occurs while your most experienced staff is out of office?
Are you using subcontractors or 1099 workers whose liability coverage you haven’t reviewed?
A quick insurance check-in can uncover blind spots before they become issues. We’re here to help clients identify and address potential gaps, especially during high-risk periods like summer.
Protect What You’ve Built—And Who You Trust to Build It
We understand that summer is an opportunity for growth—but also a time to stay alert. Whether you're running multiple job sites, managing a rotating team, or just trying to keep up with demand, the last thing you want is a preventable claim cutting into your momentum.
Let us help you review your policies, adjust where needed, and ensure that your business is protected—no matter how hot things get.
Questions about your summer coverage?
We’re here to help. Contact us today for a policy check-in.