Heat, Storms and Hazards: How Contractors Insurance Can Cover You in Summer

Summer brings longer workdays and bigger project loads, and for contractors, that combination can mean greater exposure to risk. A robust contractors insurance package can be the difference between absorbing a loss and staying in business.

The Financial Risks of Going Uninsured

Contractors who operate without proper coverage face exposure on multiple fronts, especially during the summer months. Heat-related worker injuries and illnesses can lead to medical costs and business disruptions. Afternoon thunderstorms can damage equipment, materials and structures mid-project. Third-party liability claims, such as when a client or bystander is injured at your job site, can result in costs that small businesses often struggle to absorb out of pocket.

Common Summer Risks Contractors Face

Summer hazards that contractors may encounter include:

• Heat-related illnesses leading to workers’ compensation claims
• Storm damage to materials, vehicles or work in progress
• Theft of tools and equipment left on overnight jobsites
• Third-party property damage or bodily injury claims involving passersby

Coverage That Matters

The right contractors insurance package can address the hazards the season brings. Key coverages to review include:

• General liability insurance for third-party bodily injury and property damage claims
• Workers’ compensation insurance for employees who suffer from work-related injuries and illnesses, including heat exhaustion and heatstroke
• Builders risk insurance for materials, equipment and structures under construction
• Commercial auto insurance for leased or owned vehicles used to transport equipment and crews between job sites

Get Covered Today

Seasonal hazards change, and so do your insurance needs. Contact Global Insurance and Services to make sure your contractors insurance aligns with your operations.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.