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4 winter risks and how to protect your business from them



Consumer spending increases during the holidays and activity picks up during the winter months. But the winter weather also poses some risks for companies. The following are some of the major winter hazards and how to protect your business from them.

Slippery or tripping and falling accidents

Icy walkways and slippery floors from melting snow can lead to slipping or tripping and falling accidents on your business premises. Customers, employees and other visitors can suffer serious injuries, including fractured bones and back and head trauma. To prevent slipping or tripping and falling accidents:

  • Remove snow from parking lots and walkways. If you outsource snow removal, make sure the company is reliable and can provide liability insurance.
  • Keep plenty of ice melt or sand on hand for use on sidewalks and stairs.
  • Make necessary repairs to pits in the parking lot. , handrails and outdoor stairs.
  • Non-slip backing mat that absorbs water inside doorways to prevent ice and snow from being traced indoors.
  • Inspect the floors regularly and wipe up any puddles caused by melting snow immediately. Use "wet floor" signs as needed.

Frozen pipes and water damage

When the temperature drops below freezing, the water in your pipes can freeze, causing them to crack. Water from blown pipes can cause hundreds of thousands of dollars in structural damage. To prevent this type of damage:

  • Maintain an even temperature in the building. Set the thermostat to keep the temperature even when the business is closed, for example on evenings, weekends or public holidays. Consider installing a system to warn you if the temperature drops below a certain point.
  • Stop the pressure from building up in the pipes. If the forecast predicts a winter storm or extreme cold, leave the taps in the building slightly open to a steady drip to prevent freezing.
  • Install a backup power source, such as a generator, to heat your building in the event of winter. storm surge.
  • Dense building. Hire a contractor to repair or seal cracks or holes in the building's exterior. Cover pipes that are at risk of freezing and ensure that your building is properly insulated.

Roof collapse from heavy snow build-up

An accumulation of heavy snow can cause the building's roof to collapse. Too much snow on the roof can put enormous pressure on the structure. To prevent snow damage to your building, do not allow more than two feet of snow to accumulate. Hire a licensed, tied, insured contractor to remove it from your roof.

Business Breaks from Winter Storms

A major winter storm can shut down your business for days or weeks. Snowstorms can cause power outages and prevent you and your employees from showing up for work. If your employees can work from home, it may be wise to have a distance policy in place. It is also important to have interruption insurance coverage.

For protection against winter risks, your company may need several types of insurance coverage, including general liability, work injury compensation, property and interruption insurance. Our agent can help you find the best rates for the insurance coverage your business needs.


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