For some business owners, the changes in the seasons can bring the potential for changes in their business. With these changes, you may need to consider the necessary changes in your commercial insurance policy.

In order to ensure your business has the appropriate insurance for the coming season, you should consider the following factors:

Worker’s Compensation- If your business relies heavily on seasonal work, you may need to hire more employees during those months. This means that it is necessary to ensure your business has essential coverage for potential worker’s compensation claims. If you are in the landscaping or construction business, you may want to ensure your insurance coverage is adequate.

Commercial Auto Insurance- With the changes in seasons may mean increased time spent driving, so it is important to check your commercial auto insurance policies, ensuring you have the proper coverage for your commercial vehicles, as well as their drivers.

Vacation Pay- With summer, comes increased vacation time, or time off your employees may be taking. If you decide to hire temporary employees in order to cover your staffing, then it is important you check your commercial insurance policy, ensuring it provides the appropriate workers’ compensation for temporary staff, as well as any additional liability.

Consult with Brazelton Insurance Group to see if you should review your current policy, as well as consider any additional riders on your commercial policies to properly protect you and your business this summer.