Why Commercial Auto Claims Spike in the Summer

For many businesses, summer is the busiest time of year. Construction projects ramp up, delivery schedules increase, service vehicles spend more time on the road, and employees travel more frequently between job sites and customer locations. Unfortunately, all of that added activity also contributes to a significant increase in commercial auto insurance claims during the summer months.

Whether your business operates a single work truck or an entire fleet of vehicles, understanding the seasonal risks can help reduce accidents, protect employees, and potentially lower long-term insurance costs.

Why Summer Brings More Commercial Auto Accidents

Summer creates a unique combination of driving conditions that increase the likelihood of accidents for businesses across many industries.

Increased Traffic and Congestion

Roadways become noticeably busier during the summer. Vacation travel, tourism, road trips, and seasonal events all contribute to heavier traffic volumes. Commercial drivers are often navigating crowded highways, unfamiliar routes, and congested city streets while trying to stay on schedule.

More vehicles on the road naturally increases the chances of:

• Rear-end collisions

• Distracted driving accidents

• Intersection crashes

• Parking lot incidents

• Delivery vehicle claims

For businesses with employees driving throughout the day, even minor increases in traffic exposure can lead to a higher claim frequency.

Construction and Seasonal Business Activity

Summer is peak season for many industries, especially:

• Contractors

• Landscapers

• HVAC companies

• Roofers

• Delivery services

• Hospitality businesses

• Food and beverage companies

As operations expand during busy months, businesses often:

• Add temporary employees

• Increase driving hours

• Use additional vehicles

• Work longer shifts

• Rush between appointments or job sites

This combination can increase the likelihood of accidents caused by fatigue, inexperience, or distracted driving.

Temporary or seasonal drivers may also be unfamiliar with company vehicle procedures, increasing risk if proper training is not provided.

Distracted Driving Risks Increase

Summer driving distractions are everywhere. Heavy traffic, construction zones, navigation apps, phone use, and busy schedules all contribute to reduced driver attention.

Commercial drivers are especially vulnerable because they often:

• Answer work calls while driving

• Use GPS systems frequently

• Manage tight delivery schedules

• Communicate with dispatch teams

• Drive in unfamiliar areas

Even a brief distraction can lead to costly claims involving property damage, injuries, or liability lawsuits.

Heat Can Impact Vehicles and Drivers

Extreme summer temperatures can create mechanical and safety issues for commercial vehicles.

High heat may contribute to:

• Tire blowouts

• Engine overheating

• Brake wear

• Battery failures

• Trailer equipment problems

Heat also affects drivers physically. Long hours in hot conditions can lead to fatigue, dehydration, slower reaction times, and reduced concentration behind the wheel.

Businesses should make sure vehicles receive regular maintenance during the summer and encourage drivers to stay hydrated and take breaks when needed.

More Uninsured and Inexperienced Drivers on the Road

Summer often brings an increase in younger and less experienced drivers traveling during school breaks. Tourist traffic also increases in many areas, leading to more unfamiliar or unpredictable driving behavior.

This can increase the likelihood of accidents involving:

• Sudden stops

• Improper lane changes

• Failure to yield

• Distracted or aggressive driving

Businesses should review their commercial auto policies to ensure they carry adequate uninsured and underinsured motorist coverage.

Rising Repair Costs Make Claims More Expensive

Commercial auto claims have become significantly more expensive in recent years due to:

• Increased vehicle technology

• Higher labor costs

• Supply chain delays

• Rising medical expenses

• Inflation in vehicle parts and repairs

Even relatively minor accidents can now result in substantial claim payouts and premium increases at renewal.

For businesses with fleets, multiple small claims over the summer can quickly affect future insurance pricing and carrier eligibility.

Tips to Help Reduce Summer Commercial Auto Claims

Businesses can take proactive steps to reduce risk during the summer driving season.

Review Driver Safety Policies

Make sure employees understand expectations regarding:

• Cell phone usage

• Speeding

• Seatbelt requirements

• Distracted driving

• Reporting accidents immediately

Conduct Vehicle Maintenance Checks

Regular inspections can help identify:

• Tire wear

• Brake issues

• Fluid problems

• Air conditioning failures

• Trailer and equipment concerns

Train Seasonal or New Drivers

Temporary employees should receive the same safety training as permanent staff before operating company vehicles.

Encourage Defensive Driving

Drivers should leave extra following distance, especially during periods of heavy traffic and road construction.

Review Your Commercial Auto Coverage

Summer is a good time to review:

• Liability limits

• Hired and non-owned auto coverage

• Physical damage deductibles

• Uninsured motorist protection

• Fleet vehicle schedules

Protect Your Business Before a Claim Happens

Commercial auto insurance is one of the most important protections for many businesses, especially during the busy summer season. As accident frequency and claim severity continue to rise, having the right coverage and risk management practices in place matters more than ever.

At Empire Insurance Brokers, we help businesses review their commercial auto coverage, identify potential gaps, and compare options with multiple insurance carriers. Whether you operate a few company vehicles or manage a larger fleet, our team can help you prepare for the unique risks that come with summer driving.