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Hiring Seasonal Employees This Summer? Insurance Coverages to Review

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Seasonal hiring is common for businesses preparing for summer demand, but additional employees also bring increased risk. Before onboarding seasonal workers, business owners should ensure their insurance coverage reflects their expanded operations.

Workers’ Compensation Obligations

Most states require workers’ compensation coverage for employees regardless of:

  • Full‑time or part‑time status
  • Seasonal or temporary employment

Underestimating payroll or failing to report seasonal hires can lead to:

  • Policy audits
  • Unexpected premium increases
  • Coverage gaps during a claim

Updating payroll projections at the start of the season can prevent costly surprises later.

Employment Practices Liability Exposure

Seasonal staff are still employees—and that means potential liability. Employment Practices Liability Insurance (EPLI) can help protect against claims involving:

  • Discrimination or harassment
  • Wrongful termination
  • Wage and hour disputes

Even short‑term employment can generate long‑term legal exposure, making EPLI a valuable consideration.

Auto and General Liability Risks

Seasonal employees may:

  • Operate company vehicles
  • Make deliveries
  • Interact directly with customers

These activities can increase liability exposures under commercial auto and general liability policies. Businesses should ensure:

  • All drivers are properly listed
  • Vehicle usage is accurately reported
  • Liability limits are sufficient for increased activity

Preparing Early Saves Time and Money

Waiting until after hiring begins may result in scrambling to address coverage gaps. Reviewing insurance ahead of time ensures smooth onboarding and uninterrupted protection.

If you’re planning to hire seasonal employees this summer, let us review your coverage first. A proactive approach can help protect your business during its busiest months.