How Seasonal Weather Risks in Georgia Affect Contractors’ Insurance Needs

Georgia’s climate brings a variety of weather challenges throughout the year. As contractors, it’s essential to understand how these seasonal risks can impact your business.

Georgia’s Seasonal Weather Risks

Each season presents its own set of risks for contractors:

• Spring—Heavy rains and severe storms can cause flooding, property damage and project delays.
• Summer—Extreme heat may lead to heat-related illnesses for workers and can damage materials or equipment.
• Fall—Hurricane season brings the risk of high winds, water intrusion and debris damage.
• Winter—While milder than in northern states, occasional freezes can cause pipe bursts or equipment malfunctions.

How Weather Risks Impact Contractors Insurance

These seasonal hazards can affect your contractors insurance needs in several ways:

• Tools and equipment insurance—Storms and flooding can damage tools, machinery and jobsite materials. Suitable coverage may help with repair or replacement costs.
• General liability insurance—Third-party injury claims may result from accidents like slips on wet surfaces or falling debris.
• Builder’s risk insurance—This is crucial for covering structures under construction from severe weather events like wind, rain or hail.
• Workers’ compensation insurance—Extreme temperatures and hazardous conditions can increase the risk of worker injuries. This coverage may pay for employees’ lost wages and medical bills.
• Commercial auto insurance—Severe weather can damage company vehicles or cause accidents on the road. This policy may pay for repairs and liability.
• Commercial property insurance—This may cover damage to your buildings and other physical assets caused by severe weather.

Get Contractors Insurance in Norcross & Roswell, GA

Discount Insurance can assess seasonal risks and recommend personalized insurance solutions. Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.