The joys of summer are a mainstay of songs, movies, books, and sweet memories. But it does not take much for those hot, dreamy days to turn into something more infernal, leaving summer businesses on the hook for legal costs and damages unless they have insurance for summer businesses.
One thing about summer fun is that it tends to come with significant risk. Some of the most loved warm-weather activities are considered dangerous from an insurance perspective. Boating accidents, water park injuries, and tours and rentals gone wrong are only a few examples of summer activities that frequently take a turn for the worse. Slippery patios often lead to falls and injuries. Event planners are held liable for summer weddings that go awry. Vital summer equipment can be damaged or stolen.
It is also important for summer service providers to remember that they, too, face risk and liability. Lawn and yard maintenance companies, for example, could be held liable for personal injury or property damage while working on a client’s yard. Pool maintenance companies face similar issues all summer long.
Commercial liability insurance for summer businesses, along with property insurance, professional liability, special event liability, liquor liability, and other product lines, can make all the difference between a successful summer or a total meltdown.
Real-Life Examples of Summer Business Liability
There are many summer businesses out there and a vast number of lawsuits to go with them, such as the parents of a six-year-old girl who drowned and who are suing the summer camp, alleging negligent supervision, training, hiring, and retention.
Owners and operators of businesses also have to be aware of the risks to employees working in the summer heat. In a lawsuit against United Parcel Services (UPS), the surviving widow of a 24-year-old employee who died from heat exhaustion was awarded $1.5 million. The jury determined that UPS, the employer, was negligent in part due to inadequate ventilation and rest schedules.
From premise liability to performing the right background checks on summer employees, from injuries to product issues and cancellations, there are summer hazards and potential costs everywhere. Even commercial auto insurance is a consideration for companies using commercial vehicles to transport people to summer activities or to move products around.
Yes, Your Clients Do Need Insurance for Summer Businesses
As an insurance producer, you know the value of insurance for summer businesses, but your potential clients may not. If a business only operates seasonally, the decision-makers may think they are small enough or working infrequently enough to make insurance optional.
Seasonal workers are also typically focused on making the most of their short time in operation, eager to take advantage of the summer season without wanting to lose any time to logistics and paperwork. Even year-round companies often see an uptick during the warm months and may not want to sacrifice any of the busy season.
Others may think that because they only work through summer, their personal insurance will cover them. This is an especially problematic myth for small businesses, who, if faced with litigation, can face consequences that prevent them from going back to business.
Summer businesses need insurance. A quick look through the costs of a lawsuit can often be enough to convince a seasonal operator of how much is at stake and how much risk they face. As an insurance producer, your best plan of action is to get in touch with potential summer business clients early to discuss all the reasons that they need insurance before the summer rush hits.
Working With Prime Insurance Company for Summer Business Insurance
At Prime Insurance Company, we work quickly, both to set up insurance for your clients and when it comes to dealing with claims. We are also efficient in reducing risk and helping your clients adjust their businesses to mitigate potential problems, making the most of their time and using our expertise to help them navigate summer more smoothly.
Even if a summer business operator has been rejected or turned away by other insurers, we are committed to finding solutions. While we cannot guarantee insurance coverage for everyone who wants it, if there is a way to write it, we will find it.
Don’t let your clients operate without the insurance coverage they need. To get started with a quote, use our easy online application system. You can also call our team at 800-257-5590 or email at info@primeis.com. Through summer and beyond, you can find us on Facebook, Twitter, YouTube, LinkedIn, and Instagram. And please read our blog to keep up with the latest news.
___________________________________________________________________________________________
Authored by Rick J. Lindsey, CEO, President, and Chairman of Prime Insurance Company
Rick J. Lindsey hails from Salt Lake City, Utah. He began working in the mailroom of his father’s Salt Lake City insurance firm, getting his introduction to the business that became his lifelong career. Lindsey quickly rose through the ranks while working in nearly every imaginable insurance industry job. As an entrepreneur, specialty lines underwriter, claims specialist, risk manager, and a licensed surplus lines broker, Rick Lindsey is highly skilled in all levels of leadership and execution. As he progressed on his career path, Rick discovered an urgent need for insurers willing to write policies for high-risk individuals and businesses. He was frequently frustrated that he could not provide the liability protection these entities desperately needed to safeguard their assets. He also formed the belief that insurance companies acted too quickly to settle frivolous claims. Lindsey decided to try a different approach. He started an insurance company and became the newly formed entity’s CEO. This opportunity has enabled Rick to fill a void in the market and provide a valuable service to businesses, individuals, and insurance agents who write high-risk business. Prime Insurance also specializes in helping individuals and businesses who live a lifestyle or participate in activities that make them difficult for traditional carriers to insure. If you’ve been denied, non-renewed, or canceled coverage, don’t give up quite yet. Chances are Prime Insurance can help.
