With temperatures spiking this summer, owners of outdoor businesses are taking precautions against employees suffering heat stroke, fainting and falls, and operational mistakes from extreme fatigue, etc.. But, is your business prepared for when one of your own employees has an accident on the job? Staples & Associates’ agents offer this guide to workers’ compensation for heat safety.

Insurance Coverage Review for Outdoor Businesses 

There’s a lot to consider when choosing insurance coverage for a business that operates outdoors and in extreme temperatures. Many businesses follow best practices, like establishing a working-temperature range, providing heat-appropriate protective gear, and providing water, shade, and rest. Even with protections in place, your outdoor employees can still pose a risk of injury, lost work time, or lost productivity due to extreme heat, which will impact your bottom line. 

Some insurers may offer a discount for companies that establish prevention programs or safety protocols to lower their risk and their number of claims. Documenting your company’s efforts to train and establish safety measures is the best place to start. Insurance companies may also offer safety audits, training materials, and on-site consultations to help your business reduce their risk. And as always, making any claim promptly is important. 

Workers’ Compensation typically covers medical expenses, lost wages, ongoing care costs, and funeral expenses for employees who are injured on the job. Learn more from Staples & Associates’ frequently asked questions on workman’s comp or our Insurance Safety tips on the best commercial insurance advice for 2025. 

For the best recommendations, schedule a personalized review of your company’s risk and coverage needs. Meet with an agent from Staples & Associates to get your insurance plan in order—before the next heat wave! 

Contact Staples & Associates, today!

 

DISCLAIMER: The content provided in this blog is for informational purposes only and is not intended as legal, financial, or insurance advice. While we strive to keep information accurate and up to date, we cannot guarantee that all content will remain current or applicable to your specific situation. Staples & Associates and its affiliates are not licensed claims adjusters and do not make determinations regarding policy coverage, benefits, or exclusions. For questions about your specific insurance policy, claims, or coverage details, please contact your licensed insurance agent directly.