10 Tips to Winterize Your Business

As winter approaches, it is crucial for small businesses to prepare for the challenges the season’s weather brings. Whether it’s potential property damage or changes in customer behavior, winter can significantly impact a company’s operations. Here are 10 tips for effectively winterizing a small business.

1. Assess Winter Weather Threats

It is essential for businesses to conduct risk assessments. This can help them identify areas that winter weather can threaten. Developing and utilizing winter preparedness checklists can assist companies in reviewing their risks, as exposures can vary by location and industry.

2. Conduct a Winter Inspection to Protect Physical Location(s)

A thorough inspection of a business’s physical location(s) can help prevent winter weather damage and other issues. Employers should check their roofs, drainage, windows, doors and other outside property elements to ensure they are ready for winter and make any necessary repairs or modifications.

3. Protect Pipes from Freezing

Water damage from pipe bursts can cause severe property damage. To mitigate this risk, businesses should take steps to prevent their pipes from freezing. This includes unhooking outdoor hoses, draining irrigation systems, installing leak detectors, insulating pipes and keeping indoor property temperatures at least 55 degrees Fahrenheit. In some circumstances, keeping a trickle of water flowing through the pipes can also help prevent freezing.

4. Check the Heating System and Smoke and Carbon Monoxide Detectors

Having a heating system tune-up can help ensure it is working properly and ready for cold weather. It is also essential to make sure smoke and carbon monoxide detectors and other fire prevention systems are installed and functioning.

5. Develop a Snow and Ice Removal Plan

Businesses should have plans to remove snow and ice to keep their properties safe and operational. Whether a company chooses to hire a contractor or complete the work itself, keeping parking lots and sidewalks clear is essential. Additionally, businesses should review the slip-and-fall hazards in and around their properties and ensure proper steps are taken to address these risks.

6. Prepare a Winter Weather Emergency Kit

Sudden, severe weather can leave employees and customers stranded at a place of business. Having an emergency kit with essentials, including food, water, blankets and first-aid supplies, can help ensure their safety.

7. Set Up a Communication Plan

Staff, vendors and clients may need to be contacted on short notice in the event of winter weather. Businesses should establish plans to contact these parties, as well as contractors and emergency staff.

8. Promote Winter Weather Driving Safety

Businesses should ensure their vehicles are prepared for winter weather and promote safe winter weather driving practices. This may include having infrastructure in place so workers can stay home and work remotely if dangerous road conditions arise.

9. Back Up Data

Winter storms can cause unexpected power outages, and it is vital for businesses to back up their data, as data loss can have significant financial and operational impacts. It may also be advisable to secure a backup generator to prepare for these situations.

10. Review Insurance Coverage

The change of seasons presents businesses with an opportunity to review their insurance policies. Working with a licensed insurance professional can help companies ensure they have the necessary coverage with adequate limits in place.

Proactive Steps for Winter Readiness

Being ready for winter weather requires a proactive approach. By taking steps to reduce risks, small business owners can prepare for the change in season. For more insights and guidance on small business risk management, contact us today.

The above information does not constitute advice. Always contact your insurance broker or trusted advisor for insurance-related questions.