What to Know About Insurance Coverage for Seasonal Workers

As summer approaches and the South Shore comes alive with activity — businesses are gearing up for their busiest season. Local pools and beaches will be opening soon,  ice cream shops are preparing for their long lines, and outdoor attractions will be bustling with seasonal employees. If you’re hiring temporary staff for the summer, it’s essential to understand how insurance coverage works for seasonal workers.

At Cushman Insurance, we’re here to help you Live More and Worry Less by ensuring your business and employees are properly protected.

Do Seasonal Workers Need Insurance Coverage?

Yes! Whether you’re hiring lifeguards for the beach, scoopers for the local ice cream shop, or staff for a summer event, having the right insurance in place is key. Seasonal employees may not be on your payroll year-round, but they still face workplace risks that require coverage.

Workers’ Compensation for Seasonal Employees

In Massachusetts, businesses are required to carry workers’ compensation insurance for their employees, including seasonal and part-time workers. This coverage provides protection if an employee gets injured on the job, covering medical expenses and lost wages. For example, if a lifeguard suffers a sprain while rescuing a swimmer or an ice cream shop worker burns their hand on equipment, workers’ compensation ensures they get the care they need.

Liability Coverage

With an influx of seasonal workers, your business is more exposed to potential liability claims. General liability insurance helps protect your business from claims related to customer injuries, property damage, or accidents caused by employees. If an employee accidentally spills water that causes a customer to slip and fall, this coverage can help manage the associated costs.

Coverage Considerations for Seasonal Workers

• Ensure Proper Classification: Misclassifying seasonal workers as independent contractors can lead to compliance issues. Make sure they’re properly categorized.

• Update Your Insurance Policy: Let your insurer know about any changes in staffing to ensure you have adequate coverage.

• Train Employees on Safety Measures: Preventative measures can help minimize workplace injuries and reduce claims.
  

Protect Your Business This Summer

Hiring seasonal workers is a great way to support your business during peak times, but it’s crucial to have the right insurance in place. At Cushman Insurance, we’re here to ensure you have the coverage you need so you can focus on what matters—serving your customers and enjoying the season.

Want to review your coverage options? Contact us today.