As clocks “fall back” and daylight fades earlier in the day, businesses across the Northeast face seasonal changes that go beyond just adjusting schedules. The end of Daylight Saving Time (DST) can increase certain risks—especially those related to driving, visibility, and premises liability—that may impact your insurance coverage.
Here’s what your business should keep in mind as we head into darker evenings
Increased Risk of Accidents After the Time Change
Studies show that the days following the end of DST often see a spike in:
- Auto accidents, especially during the evening commute
- Pedestrian incidents, due to reduced visibility
- Workplace injuries, as employees adjust to the time shift
What this means for your business:
- If your employees drive for work, ensure your drivers are aware of the increased risks due to seasonal daylight changes.
- Businesses with foot traffic should check their premises for risks of slip-and-fall claims due to poor visibility.
- Employers should reinforce workplace safety protocols, especially for early morning or evening shifts.
Lighting and Security: A Hidden Liability
With sunset arriving earlier, businesses may face:
- Inadequate outdoor lighting, increasing the risk of accidents or crime
- Security system blind spots, especially in parking lots or loading areas
Insurance tip: If a claim arises due to poor lighting or security, your insurer may evaluate whether you have appropriate risk control measures in place. Now is a good time to:
- Inspect and upgrade exterior lighting
- Review your property and liability insurance for coverage related to theft or injury
Driving in Decreasing Daylight: A Seasonal Safety Concern
Shorter days mean more employees and customers are on the road in the dark. This can lead to:
- Reduced visibility and slower reaction times
- Increased risk of collisions with wildlife (especially deer)
- Higher likelihood of fatigue-related driving errors
What to do:
- Encourage safe driving practices among employees who commute or drive for work.
- Ensure your commercial auto policy includes adequate coverage.
- Consider sending out a seasonal safety reminder to staff and vendors.
Fall Back Checklist for Business Owners
Before the clocks change, take these steps to help protect your business:
- Confirm your clocks, systems, and security devices are updated
- Inspect lighting in parking lots, walkways, and entrances
- Communicate schedule changes clearly with staff and vendors
- Review your auto, liability, and property insurance policies
- Reinforce safety protocols for employees and customers
Final Thoughts
Daylight Saving Time may only shift the clock by an hour, but its ripple effects can impact your business in unexpected ways. By taking proactive steps and reviewing your insurance coverage, you can help minimize risk and keep your operations running smoothly through the darker months ahead.
There for You: Acadia Insurance
At Acadia, we’re all about helping businesses throughout the Northeast thrive. Our mission is to provide superior service and products as close to you as possible, providing you with the coverage you need to proceed with confidence.
We understand what you want most from your insurance is security and peace of mind. That means knowing you are working with an insurance provider who will support you every step of the way to help you protect your business.
With Acadia, not only can you get coverage tailored to your needs, but you will also receive support from dedicated claims professionals to guide you through the claim process in the event of a loss. That way, you know exactly what to expect. Knowing your claims professional by name and a handshake – that’s “Closer Coverage”. Get to know more about how we work and find an agent near you by going to the Find an Agent section on our public website (www.acadiainsurance.com).
Acadia is pleased to share this material for the benefit of its customers. Please note, however, that nothing herein should be construed as either legal advice or the provision of professional consulting services. This material is for informational purposes only, and while reasonable care has been utilized in compiling this information, no warranty or representation is made as to accuracy or completeness. Recipients of this material must utilize their own judgment in implementing sound risk management practices and procedures.
