Fall Business Checklist: How to Ensure Your Company Is Fully Covered

As the leaves change and the air turns crisp, fall is more than just a seasonal shift—it’s the perfect time for businesses to review insurance coverage and prepare for the months ahead. From weather-related risks to seasonal staffing changes, this time of year presents unique challenges that many business owners don’t consider.

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Here’s a fall business checklist to be certain your company is fully covered.

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1. Review Property Insurance for Seasonal Risks

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Fall can bring unpredictable weather, including early frost, heavy rain, and windstorms. Check your property insurance to ensure it covers:

• Roof damage from falling branches or accumulated leaves.
• Water damage from clogged gutters or overflowing downspouts.
• Equipment or inventory stored outdoors that may be exposed to the elements.

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Many businesses forget to address seasonal hazards like wet leaves creating slip-and-fall risks in parking lots or walkways. Make sure your coverage reflects these risks.

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2. Update Workers’ Compensation Coverage

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Autumn often brings temporary or seasonal staff for holidays, retail rushes, or agricultural work. Ensure your workers’ compensation policy accounts for:

• New or seasonal employees.
• Changes in job duties that may increase risk.
• Employee safety training specific to fall hazards (wet floors, or seasonal equipment).

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Seasonal injuries may not be common in summer, but slip-and-fall incidents or accidents with seasonal equipment increase in fall, so coverage and safety protocols are crucial.

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3. Check Business Interruption Coverage

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Storms, early frost, or power outages can disrupt operations in ways not seen in other seasons. Review your business interruption insurance to ensure:

• Coverage includes losses from weather-related closures.
• Any seasonal supply chain disruptions are accounted for.
• Remote work or temporary relocation options are covered in the event of an emergency.

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Fall storms can be sudden and costly, so having this coverage in place is key to avoiding lost revenue.

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4. Inspect Liability Coverage

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With Halloween events, fall festivals, or increased customer traffic, your general liability insurance may need updating:

• Are seasonal events or promotions included in your policy?
• Do you have coverage for slip-and-fall incidents caused by wet leaves or outdoor     decorations?
• Are third-party contractors (like seasonal landscapers) properly insured?

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These seasonal risks often go unnoticed but can lead to claims if not addressed proactively.

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5. Review Vehicle and Fleet Coverage

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If your business uses vehicles for deliveries, seasonal shipments, or employee transportation, fall brings specific hazards:

• Slippery roads from wet leaves or early frost.
• Shorter daylight hours affecting visibility.
• Seasonal demand increasing mileage and wear on vehicles.

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Ensure your auto insurance or fleet coverage reflects these seasonal risks, including coverage for accidents during increased fall activity.

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6. Update Your Records and Contact Information

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Fall is also a great time to review your insurance contacts and documents:

• Confirm that all policies are up-to-date and renewals are scheduled.
• Ensure key personnel know who to contact in case of a claim.
• Verify any seasonal vendors or contractors are properly documented and insured.

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7. Plan for Seasonal Technology and Cyber Risks

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With businesses preparing for holiday sales, marketing campaigns, or seasonal promotions, cyber risk can increase:

• Review cyber liability insurance to cover potential data breaches or fraud.
• Check that seasonal employees with system access are trained on cybersecurity     protocols.
• Update software and backup procedures before peak traffic periods.

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Bottom Line

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Fall is a unique season with risks and opportunities that many businesses overlook. By reviewing property, liability, workers’ compensation, fleet, and cyber coverage now, you can reduce seasonal hazards and ensure your business is fully protected.

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Taking a few proactive steps this autumn may prevent costly claims as your business heads into the busy winter months. Let’s ensure your business is fully protected this season - reach out to review your coverage and explore options that fit your needs.

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