As the year winds down, some clients may want projects wrapped up before the holidays, new bids are coming in for January starts, and crews are working long hours to keep up. It’s a high-demand time — and that can also mean a higher risk of accidents and liability claims.
Why Year-End Means More Risk
- Tight Deadlines: Crews under pressure may take shortcuts or skip safety steps to stay on schedule.
- Overtime Fatigue: Long days increase the chance of errors, injuries, or property damage.
- New Faces on the Job: Temporary subcontractors or new hires brought in to meet demand might not be fully trained or familiar with safety protocols.
- Jobsite Congestion: Multiple trades working simultaneously heighten the risk of slips, trips, or third-party property damage.
How Agents Can Help Their Contractor Clients
- Review Coverage Limits: More projects and higher payroll during peak season can increase exposure. Confirm that liability limits and classifications are up to date.
- Discuss Endorsements: Consider additional coverage for new equipment, subcontractor work, or temporary staff.
- Promote Safety Refreshers: A quick jobsite safety meeting can go a long way toward preventing costly mistakes and claims.
- Plan Ahead for Renewals: If a client’s policy renews in Q1, now’s the time to review their operations and ensure the coverage reflects current activity levels.
Why It Matters
For agents, this is an opportunity to show value beyond the policy. Helping contractors stay protected while they finish strong can prevent disruptions — and demonstrate the expertise that keeps clients coming back year after year.
Take Action
Don’t let liability risks catch your clients off guard. Quote a Contractors General Liability policy with Slice today and ensure they’re covered.
Get a Quote → https://sliceinsurance.com