As the leaves turn and the air grows crisp, businesses face seasonal changes that can affect workplace safety. Autumn is more than just a transition in weather—it brings unique hazards that can increase workplace injuries and workers’ compensation claims. For business owners, this makes fall an ideal time to review workers’ compensation coverage, ensuring employees are protected and the business is prepared for seasonal risks.
Seasonal Hazards to Watch For in Fall
- Slippery Surfaces
Wet leaves, early frost, and rain create slippery conditions around entrances, walkways, parking lots, and loading docks. Employees may be more prone to slip-and-fall injuries, which are among the most common claims in fall. Unlike summer, when outdoor surfaces are typically dry, fall increases this risk significantly. - Weather-Related Accidents
Cooler temperatures can make machinery harder to handle safely and increase the likelihood of cold-related strains. Employees who work outdoors may be more susceptible to fatigue, muscle strains, or minor injuries caused by adjusting to colder weather. Seasonal storms can also increase the risk of property or vehicle-related accidents while traveling for work. - Seasonal Staffing Changes
Many businesses hire temporary or seasonal workers during the fall for retail, landscaping, hospitality, or agricultural work. These employees are often less familiar with workplace procedures, equipment, and safety protocols, which can increase the risk of accidents. A workers’ compensation policy should clearly cover all temporary and seasonal staff to avoid coverage gaps. - Increased Physical Activity
Autumn is a busy time for industries like construction, delivery services, and landscaping. Longer hours and heavier workloads, coupled with seasonal weather challenges, can lead to overexertion, strains, sprains, or repetitive motion injuries. Even routine tasks like lifting boxes, carrying equipment, or raking leaves can pose risks if proper precautions are not taken. - Fall Events and Decorations
Halloween and other fall celebrations can increase risks for businesses that host events, decorate their premises, or see higher customer traffic. Employees setting up displays, managing crowds, or cleaning up afterward face potential injuries. Workers’ compensation coverage may be necessary to cover these seasonal risks, which don’t typically arise during other times of the year. - Vehicle and Fleet Hazards
If your business uses vehicles for deliveries, transportation, or service calls, fall brings specific hazards: wet leaves, early frost, and darker evenings can lead to slips, collisions, or other accidents. Reviewing your workers’ comp policy alongside your fleet coverage ensures that employees are protected while operating vehicles during these higher-risk months.
Why Reviewing Coverage in Fall Makes Sense
- Update Employee Information – Ensure all seasonal hires are included and that records for existing employees are current.
- Adjust Policy Limits – Seasonal risks or increased workloads may require higher coverage limits to fully protect employees and the business.
- Evaluate Safety Protocols – Fall is a good time to review training programs, including proper use of equipment, slip-prevention strategies, and procedures for seasonal hazards.
- Coordinate with Other Insurance Policies – Ensure your workers’ comp coverage works seamlessly with general liability, property, or auto insurance to provide comprehensive protection during busy fall months.
Tips for a Thorough Fall Workers’ Compensation Review
- Conduct a Site Inspection – Walk through your facilities to identify fall-specific hazards such as wet leaves, icy walkways, and seasonal equipment.
- Review Claims History – Look for patterns in past claims during fall months and take preventive measures.
- Provide Safety Training – Educate seasonal staff and returning employees about fall hazards, safe equipment use, and reporting procedures.
- Communicate With Your Insurance Provider – Ask your agent to review seasonal risks and verify that all employees, including temporary staff, are properly covered.
- Update Emergency Plans – Ensure that evacuation routes, first-aid stations, and emergency contacts are appropriate for fall weather events and seasonal operations.
Bottom Line
Autumn brings unique risks that can increase workplace injuries and workers’ compensation claims. By reviewing your policy now, you can protect your employees, reduce seasonal hazards, and ensure your business is ready for the months ahead. Proactive planning in the fall not only prevents costly claims but also fosters a safer, more prepared workplace for everyone.
Ensure your business and employees are fully protected this season – connect us to review your coverage options.