As summer approaches, many businesses bring on interns or temporary help to cover busy seasons, special projects, or employee vacations. Whether it’s a college student working part-time or a seasonal hire supporting your operations, it’s important to ask: Are your summer employees property covered under your workers’ compensation insurance?
It’s a question that often gets overlooked, but it can lead to big consequences if not addressed.
Who Needs to Be Covered?
Generally, if someone is performing work for your business, whether they are full-time, part-time, seasonal, or an intern, they may be considered an employee for workers’ compensation purposes. This includes:
- Paid interns
- Seasonal laborers
- Temporary staff
- Part-time summer employees
Even unpaid interns could create exposure for your business, depending on state laws and the nature of the internship.
Why It Matters?
Workers’ compensation provides medical benefits and wage replacement to employees injured on the job. If someone gets hurt while working for you and isn’t covered, you can be held personally liable for medical bills, lost wages, and legal expenses. Even one uncovered injury could result in significant out-of-pocket costs and legal complications.
You can avoid these common mistakes by not assuming that someone doesn’t apply to your coverage, notifying your insurer when staffing changes occur, and being aware of your state’s specific requirements.
How DGK Insurance Can Help
We know how easy it is for seasonal staffing to slip through the cracks. That is why our team works closely with businesses to review and adjust policies before issues arise. We can help you determine if your summer staff needs to be included in your coverage, ensure that you are meeting your state requirements, update your coverage accordingly, and avoid penalties. We are here to help you protect your business.
Don’t wait until it’s too late. Are you adding seasonal employees or interns? Now is the time to review your coverage. Contact your insurance company today to schedule a review and ensure that your workers’ compensation policy is summer-ready.