Common Summer Business Risks—and How to Prepare

1. Heat-Related Property Damage

Hot weather can stress commercial buildings and equipment. Prolonged heat waves may cause roof warping, HVAC failure, or even power surges. Inadequate ventilation can also lead to mold or spoilage of temperature-sensitive goods.

✅ What to do:

• Schedule HVAC system maintenance before peak heat.
• Inspect roofs and insulation for weather wear.
• Ensure your commercial property insurance reflects the value of your physical assets.
  
  

2. Increased Foot Traffic and Liability Risks

With more people out and about, retail, hospitality, and service businesses often experience a boost in foot traffic during summer. While great for business, this also raises the chance of slips, trips, and other liability claims.

✅ What to do:

• Check walkways, patios, and entrances for hazards.
• Install non-slip mats and ensure signage is clear.
• Review your liability insurance to ensure you’re protected from claims that could arise on your premises.
  
  

3. Outdoor Operations and Off-Site Events

Many businesses host outdoor events, markets, or off-site services during the warmer months. This can introduce new exposures, such as unpredictable weather, equipment theft, or property damage off-premises.

✅ What to do:

• Secure portable equipment and inventory when not in use.
• Consider adding off-premises coverage or event-specific insurance.
• Use tents or shelters that are wind- and rain-resistant to minimize weather disruption.
  
  

4. Equipment Overload or Failure

With seasonal demands, machinery and vehicles may be operating for longer hours, increasing the risk of breakdowns.

✅ What to do:

• Conduct preventive maintenance on all critical equipment.
• Consider Equipment Breakdown Insurance to help with repair or replacement costs.
• Keep spare parts and supplies on hand to reduce downtime.