Partnered with Aviva
We’re all aware that cold weather poses risks every year when it comes to driving conditions and slips and falls, and that freezing temperatures have an impact on our homes, but let’s not forget that the colder months require some risk management when it comes to our businesses, too.
Cold weather can disrupt operations, damage property and endanger staff, impacting a business for longer than the cold snap itself, but there are ways to mitigate its effects. Proactive measures can safeguard your business and ensure continuity through even the harshest conditions.
Here are some key steps to take:
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Protect your property
A premises’ plumbing is most prone to problems when it comes to cold weather, and a burst pipe, with subsequent flooding, could be a business’s worst nightmare. Lag your pipes to insulate them and to prevent freezing and bursts, and inspect them regularly, looking out for leaks or drips.
Ensure boilers and heating systems are serviced and functioning efficiently. Keep your heating system set at a minimum temperature of around 14 degrees, to prevent frozen pipes, and let warm air flow to areas where pipes could sit cold, i.e. in loft spaces or inside cupboards.
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Maintain roofs and gutters
Clear debris regularly to avoid blockages and water ingress from snow or ice.
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Ensure employee safety
No business wants an employee to suffer injury on their premises, or to face a subsequent claim. Grit and remove snow from walkways and car parks to reduce the risk of slips and falls.
Equip outdoor workers with insulated boots, gloves and high-visibility gear.
Allow outdoor staff to warm up regularly, if they have to work outside, to prevent hypothermia and frostbite.
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Prepare your motor fleet
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Check tyres and batteries
Ensure that the tyres of all company’s vehicles have sufficient tread and that batteries can handle cold starts.
Equip vehicles with de-icer, blankets, torches and first-aid kits, in case of breakdown.
Monitor weather forecasts and avoid high-risk areas or treacherous routes during severe conditions.
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Review your insurance coverage
Ensure your policies are up to date and provide comprehensive protection. Key policies include:
Covers damages caused by cold weather, including burst pipes and roof leaks.
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Business Interruption Insurance
Protects against financial losses if your operations are disrupted.
Covers injuries to employees or visitors on your premises.
Provides coverage for accidents or breakdowns in harsh conditions.
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Develop a business continuity plan
Severe weather can halt operations without warning. Prepare your business for every eventuality by:
- Identifying critical operations and vulnerabilities.
- Establishing communication protocols for employees, suppliers and customers.
- Including contingency measures, such as remote working or alternative suppliers.
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Communicate with your team
Effective communication is essential during challenging weather conditions. Make sure you keep your team informed about:
- Weather warnings and safety measures.
- Changes to schedules or operations.
- Emergency contact numbers and procedures.
Preparing your business for cold weather and harsh conditions helps minimise financial losses, protect employee safety and maintain customer trust. Businesses that plan ahead are better equipped to handle the unexpected challenges of winter, ensuring smoother operations and peace of mind.
Need Assistance? At Ascend Broking Group, we specialise in tailored insurance solutions and risk management advice to protect your business. Contact us today on 01245 499060 or email info@ascendbroking.co.uk for a free winter risk assessment or to review your current policies.
Stay safe, stay prepared, and ensure your business thrives during winter!
