As the days get warmer and longer, nothing sounds better than dining al fresco with friends and family. Restaurants, cafes, food trucks, and other seasonal businesses are preparing for their busiest—and most profitable—time of the year. From outdoor patios to beachside stands and summer festivals, warmer weather gives more opportunities to local businesses to cater to their neighborhoods. But, this also means more foot traffic, more staff, and more risks.

Expand Your Coverage for Outdoor Dining Areas

Outdoor seating is a huge draw in the warmer months—but it may not be fully covered under your existing policy. Tables on sidewalks, rooftops, or in parking lots can expose your business to:

  • Trip-and-fall injuries
  • Weather-related damage (wind, hail, heavy rain)
  • Liability from non-employees (like pedestrians or neighboring businesses)

Insurance Tip:
Review your general liability and property coverage to ensure your outdoor areas are protected. Some policies may require an endorsement for temporary or seasonal structures like tents, awnings, or portable heaters.

 

Consider Liquor Liability if You Serve Alcohol Outside

If your business serves alcohol, outdoor dining can bring a new set of risks—especially with relaxed environments and large crowds. Liquor liability insurance helps protect your business if a customer causes harm to themselves or others after being served alcohol at your establishment.

Insurance Tip:
Even if you already carry liquor liability, confirm that it extends to any new outdoor or temporary service areas.

 

Account for Temporary Staff and Seasonal Employees

Warmer weather often means hiring extra hands for peak hours and busy weekends. But whether they’re bussing tables or managing the grill, every worker needs to be covered. Workers’ compensation insurance is generally required for all employees—full-time, part-time, or seasonal.

Protect Equipment and Outdoor Property

Many seasonal businesses rely on specialized equipment—like grills, POS systems, sound gear, and outdoor furniture—that may be moved or stored outside during summer months.

This equipment is vulnerable to theft, vandalism, and weather damage.

Insurance Tip:
Ask your agent about inland marine insurance or a business property rider that covers mobile or off site equipment. Don’t assume your standard property insurance extends beyond your main structure.

 

Don’t Forget About Business Interruption Insurance

Mother Nature doesn’t always cooperate with your summer plans. A major storm or unexpected power outage can shut you down during your busiest days.

Business interruption insurance can help cover lost income and operating expenses if your business is forced to close due to a covered event.

Insurance Tip:
Make sure your policy includes coverage for weather-related interruptions that are more likely during the summer season.

 

Contact us today to schedule a quick policy review before summer begins.