Small Business Winter

How to Protect Your Business from 6 Common Winter Risks

Winter weather creates a set of risks that you will not face at any other time of the year. With colder, normal temperatures, snow and ice, it's time to start preparing for weather-related problems your business may face. Here are some steps you can take to protect your business.

Protecting Your Business From Winter Risk

Traveling, Sliding, and Falling

While snow and ice can damage your business' property, another (and perhaps the risk) of your customers and employees is harmed. Here are some helpful tips for ensure that safety precautions are in place.

  • Be equipped with shovels and snow throwers to clear sidewalks, steps, driveways and entrances. Make sure that sand and ice also melt on hand. 19659008] If you are laying out snow removal, make sure that the person you are hiring is reputable and can provide proof of liability insurance.
  • Inside your business, you equip entrance roads with non-slip, water-absorbent floor mats. bearings, storage spaces or spaces that are currently uninhabited due to remote work situations may be cooler and more susceptible to frozen pipes.

    • Inspect pipes for cracks and leaks cake
    • Have adequate insulation and wrap pipes if necessary.
    • Be sure to keep the heat set to 60-65 for all available spaces or for after-hours hours to avoid freezing temperatures.
    • Know where your water shut-off valve is.

    Power outages

    The winter months mean snow and ice storms that create dangerous conditions and power loss.

    • Keep a generator handy and test it b therefore winter weather strikes
    • Have an emergency kit ready with water, flashlights, first aid, mobile phone charger, non-perishable food and basic tools
    • Have the equipment connected to surge protectors to prevent injuries. [19659011] Maintenance of buildings

      Cleaning and addressing potential hazards before snow falls is important to avert even worse problems on the road.

      • Inspect roof shingles and any structural problems
      • Clean gutters and repair any cracks. [19659008] Trim trees or low-hanging branches near buildings and walkways.

      Business Breaks

      If you can not access your building, have a business continuity plan that includes a variety of scenarios that are best practices for all industries.

      • Work from home for employees which includes: clear expectations, equipment that can be used outside the facility and access to programs that are necessary to perform work activities.
      • Has updated employee contact information and a communication tree on site.
      • Plan how to handle call flow and access to voicemail systems.
      • Keep a list of key people and their phone numbers, such as suppliers, local emergency numbers, building owners and your insurance agent.

      Adequate insurance coverage

      It is best to review your business insurance with your agent before an incident occurs. It is important that you have adequate insurance coverage to protect you, your employees and your business.

      • Set up a meeting with your insurance agent to review your current policies and limits to ensure proper coverage.
      • Discuss winter risks and be sure that your property, business liability and employee compensation policy is ready to respond if employees or customers are harmed at your location.

      One thing you can trust is that the winter weather in New England is unpredictable. Being proactive and diligent can reduce the risks for your company, your customers and employees. An Encharter agent can help review your current insurance coverage and answer any questions and concerns. Call us today!

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