Alimah Shamsid-Deen
Essential Insurance Tips for Hiring Summer Workers

The warmer months often bring a surge in temporary employment, particularly in labor-intensive fields. Consider a small landscaping business expanding its team to handle more summer contracts. These additional hands on deck are invaluable, but they also bring added responsibilities, especially when it comes to the complexities of insurance coverage. In this post, we’ll look into the common insurance coverages you must consider when hiring summer workers.

Workers’ Compensation

One of the primary coverages to think about is workers’ compensation. Every state but Texas mandates that companies purchase workers’ compensation coverage, seasonal employees included. Without it, a workplace injury could lead to costly claims and increased legal risks. It's crucial to ensure you have this coverage solidly in place to safeguard both your workers and your business.

General Liability

With the hiring of less experienced workers, general liability risks can increase. It is worth reviewing your general liability policy to ensure you have adequate coverage. This policy can protect against potential claims of bodily injury or property damage that can arise when you have a temporary workforce.

Health Insurance

Don’t overlook health insurance obligations. The Affordable Care Act requires businesses with 50 or more full-time employees (working 30 hours per week or 130 hours per month) to provide health coverage — even for seasonal workers. Assess if this applies to your situation to avoid penalties.

Employment Practices Liability (EPLI)

Hiring, onboarding, and termination processes bring inherent risks. Employment Practices Liability Insurance (EPLI) can shield against claims related to wrongful termination, discrimination, or wage disputes. This coverage can save burgeoning businesses from stressful legal battles and potential financial loss.

Bringing seasonal help on board can boost your productivity immensely, but failing to carry the proper insurance coverage could leave your business exposed. Consult with your insurance agent to evaluate your needs and update your policies as necessary.