Essential Summer Insurance Considerations for Businesses
Written by Tabby Morris & Dave Merriman
For businesses, summer brings seasonal risks and new opportunities. Whether it’s higher foot traffic, outdoor events, or employee travel, companies face unique challenges that require strong insurance protection. From liability risks at events to cybersecurity concerns during summer travel, reviewing your commercial policies can help prevent financial setbacks and keep your operations running smoothly.
Commercial Insurance Considerations for Summer
1. Seasonal Business Insurance
Many businesses operate seasonally, such as beachside cafés, landscaping services, and event venues. Business owners should:
• Ensure property insurance covers seasonal inventory and equipment.
• Review business interruption insurance in case of weather-related closures.
• Verify liability coverage for customer injuries at outdoor events.
2. Workers’ Compensation & Heat Safety
Outdoor workers face heat-related illnesses and increased injury risks. Employers should:
• Encourage your employees to hydrate to avoid heat related illness.
• Implement heat safety protocols to reduce workplace risks.
• Are your seasonal employees considered in your payroll calculations?
3. Cybersecurity & Business Travel Risks
With employees traveling more in summer, cyber risks increase due to remote work and unsecured networks. Businesses should:
• Review cyber liability insurance to protect against data breaches.
• Ensure your IT team educates employees on secure online practices when traveling.
• Ensure business travel insurance covers trip cancellations and medical emergencies.
Final Thoughts
Summer brings excitement and opportunity, but it also introduces seasonal risks that require proper insurance coverage. Whether you’re planning a vacation, running a business, or managing employees, reviewing your insurance policies ensures financial protection and peace of mind. Contact Hanckel Citizens Insurance today to ensure your summer insurance needs are met!
Thank you for being a continued part of our insurance family!
