Summer is a busy season for contractors—but it’s also when jobsite risks and equipment theft spike.

With longer days, more open sites, and higher demand, contractors face unique challenges during the summer. Many don’t realize that these exposures could lead to costly losses or insurance gaps if not proactively managed.

Heat-Related Hazards for Crews

Extreme summer heat brings serious health concerns, especially for teams working on rooftops, concrete, or roadways.

Risks include:

– Heat exhaustion or stroke
– Dehydration-related injuries
– Equipment burns (hot surfaces/tools)

Protection tips:

– Schedule early morning or evening shifts when possible
– Provide shade, water stations, and rest breaks
– Ensure your Workers’ Comp policy is active and includes appropriate job classifications

Jobsite Liability Increases in Summer

Open construction sites often face:

– More foot traffic from curious passersby
– Higher potential for injury claims
– Risks of subcontractor or vendor-related incidents

What you can do:

– Install clear signage and perimeter fencing
– Require certificates of insurance from subcontractors
– Review your general liability and umbrella policy limits

Equipment Theft: A Growing Problem

According to the National Equipment Register, summer months see a sharp increase in stolen tools and machinery. Open sites and extended work hours make it easier for thieves to strike—especially on weekends and holidays.

Protect your assets:

– Store valuable tools in locked, GPS-tagged trailers or containers
– Maintain inventory logs and photos of all equipment
– Invest in inland marine (contractor’s equipment) coverage to insure tools off-premises or in transit

Are You Properly Covered?

Many contractors find out too late that their basic general liability policy doesn’t cover tool theft, jobsite damage, or subcontractor mistakes.

Your business might need:

– Inland Marine Coverage
– Contractor’s E&O
– Builder’s Risk
– Commercial Auto

Let us review your coverage before your summer schedule heats up. A quick policy audit could save you thousands.