Hiring Summer Workers? Key Insurance Coverages to Know

Understanding Insurance for Seasonal Employees

The warmer months often bring a surge in temporary employment, especially in labor-intensive fields. Take, for example, a landscaping business that expands its team to tackle extra summer contracts. While adding extra hands can help meet demand, it comes with additional responsibilities, particularly concerning insurance coverage. In this post, you'll discover the essential insurance coverages to consider when bringing seasonal workers on board.

General Liability Insurance

When hiring less experienced workers, the risk of accidents and damages can increase. It's essential to review your general liability policy to ensure it adequately covers potential liabilities, protecting your business from potential claims.

Workers’ Compensation

Workers’ compensation is vital. With the exception of Texas, every state mandates that companies provide workers’ compensation coverage, even for seasonal employees. Without it, your business might face costly claims and legal risks should a workplace injury occur.

Employment Practices Liability (EPLI)

The processes involved in hiring, onboarding, and possibly terminating employees can carry risks. Employment Practices Liability Insurance (EPLI) shields your business from potential claims related to wrongful termination, discrimination, or wage disputes.

Health Insurance Obligations

Health insurance is a crucial consideration under the Affordable Care Act. If your business employs 50 or more full-time employees, each working at least 30 hours per week or 130 hours per month, you may need to provide health coverage - even for seasonal hires.

Hiring seasonal help can undoubtedly boost your business's productivity, but failing to carry the right insurance coverage could leave you exposed. To ensure you're adequately protected, discuss your needs with your insurance agent and update your policies accordingly.