Spring is here and the 2016 season at the Lake of the Ozarks is about to kick off! Many seasonal business owners a gearing up for what they expect to be another great summer at the Lake, and that means hiring some seasonal help. As your Lake of the Ozarks insurance agent, I want businesses owners to be aware of the risks involved with hiring temporary employees. Summer workers can bring increased risk of making costly mistakes or winding up with workplace injuries. Here are a few precautions you as a business owner can take to minimize that risk this season:
1. You Don't Have to Hire Only Students.
While students might seem like the ideal employee - they're out of school and when things start to slow down again, they'll be headed back to school, so you don't have to worry about letting them go. However, don't assume that you have to hire just students. While it's great to give young people the opportunity to earn some extra cash over the summer, consider whether the position you need filled could benefit from some greater know-how. Are you looking to fill a manager position? If you're looking to fill a more challenging role, be sure to look at all your options before posting the job for area students to apply.
Sometimes things can get a little crazy here at the Lake during the season, but that doesn't mean you can just throw your seasonal employees in to the mix without any training. The best thing to do is start your hiring now instead of waiting until you're too busy to properly train them. It's important that all employees receive proper training, especially when it comes to special equipment. Lack of training can lead to workplace injuries and other Lake of the Ozarks insurance issues. Make sure that all employees get adequate practice before the season picks up too much. If you throw them to the customers unprepared, their likely to quit before the season is over. You don't want to be stuck shorthanded in the middle of summer at the Lake of the Ozarks!
3. Try a New Perspective.
As a business owner, you already know all the ins and outs of your business, but try taking a step back and looking at it from an outsiders perspective. Is your place of business loud and distracting? Are people stressed, under pressure and rushing? The work environment is a key component in workplace safety. You want to make sure that your providing your employees with a great place to work, with a great atmosphere and where safety is a top priority. Ask your current and new employees for input on what could make things run more smoothly and decrease risk of injury, etc. in the workplace.
If your staff increases and decreases with demand of the season, be sure to discuss coverage options for business insurance at the Lake of the Ozarks with your agent. Workers compensation premiums are based on your estimated annualized employee payroll; therefore, depending on how many employees you were currently employing when the policy was created, you could be paying too much or too little if your annualized payroll has changed. In the case of not paying enough, you might find yourself owing extra at the end of the year. Avoid these issues by estimating your employee payroll over the whole year, and then pay that premium. In addition, if any of your employees will be driving while on the job, make sure you have proper business auto insurance as well.
If you have any other questions regarding the insurance related risks of hiring seasonal help, give me a call at 573-348-2794. At Insure the Lake, we want to help both business owners and individuals with all their insurance coverage needs. We shop the marketplace in order to provide you with the most comprehensive coverage at a competitive rate!
Request a Free Quote Online! Contact Insure the Lake today for all your Lake of the Ozarks insurance needs!
About the Author: Steve is a double back-flip insurance ninja. He was named Young Insurance Agent of the Year by the Missouri Association of Insurance Agents in 2010 and is a Certified Insurance Counselor. When he is not helping customers, he enjoys community service, Latin dancing with his beautiful wife and going on adventures with his two awesome sons.
Steve Naught, CIC
3736 Osage Beach Parkway
Osage Beach, MO 65065
Next to Golden Coral
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