The Summer Staff Dilemma: Are Your Seasonal Workers Actually Covered?

Serving Orange County, NY

Summer means longer days, busier weekends—and for many local businesses, a rush of seasonal hires. Whether you’re staffing up your landscaping crew, hiring teens for your ice cream stand, or bringing on temps for summer events, there’s one question you can’t afford to ignore:

Are your seasonal workers really covered by your insurance?

At Quick Insurance, we help Orange County business owners understand what’s protected—and what’s not—when it comes to short-term employees.

1. Confirm Workers’ Comp Covers Seasonal Staff

In New York, workers’ compensation is required for most employees—including part-timers and seasonal hires. But not all policies automatically reflect staffing changes during peak months.

What to do: Make sure your workers’ comp policy includes seasonal roles and accurately reflects your current headcount.

2. Properly Classify Contractors vs. Employees

Hiring independent contractors? You could still be liable if they get injured—especially if they don’t carry their own coverage. Misclassifying workers can lead to fines or denied claims.

What to do: Review how each worker is classified and verify proof of insurance before they start the job.

3. Review Liability Coverage with Added Headcount

More staff means more opportunities for slip-ups—whether it’s on your property or interacting with customers. If someone causes damage or injury, your general liability coverage needs to be ready.

What to do: Check your liability limits and consider adding commercial umbrella insurance to strengthen your protection.

4. Update Auto Policies for Summer Drivers

If your summer crew uses company vehicles—or their own—for deliveries or errands, your current auto policy may not cover them.

What to do: Update your commercial auto policy to include all summer drivers and ensure they’re listed as permitted operators.

5. Don’t Underestimate Short-Term Risk

Seasonal workers may only be on the job for a few months, but one injury or claim could impact your business for years.

Stay Covered, All Season Long

At Quick Insurance, we help local business owners in Orange County find insurance solutions that grow with their team. Whether you run a landscaping company, food truck, boutique, or seasonal attraction, we’ll help you:

• Review your workers’ comp

• Adjust general liability limits

• Add or update commercial auto

• Explore umbrella protection

• Confirm coverage for part-time or 1099 workers

We also provide business insurance, flood, auto, home, farm, powersport & toy, watercraft, and special collectibles coverage—because business owners need protection beyond the workplace.

One Injury Could Cost More Than Their Whole Paycheck

Let’s review your policy before they clock in. Contact Quick Insurance today for a fast, no-pressure conversation about protecting your people and your business this summer.