Business Insurance Considerations for Winter

by eradka

Category: Business

It’s no secret…winter is coming. All Game of Thrones jokes aside, the end of 2016 is almost here, which means that, along with a new year, you will probably experience some changes in your weather. Long story short, the changing seasons brings changing insurance needs. Read on to learn more what you need to be on the lookout for this winter.

Property Insurance

Winter can bring harsh weather conditions—no matter where you live. In the northern states, winter almost always means below freezing temperatures, ice and snow. In other parts of the United States the temperature typically drops and some areas experience lots of rain. Regardless of where you live, you should be prepared for the winter weather to wreak havoc on your business’s building. Ice, snow, rain and winds can damage gutters and weigh down roofs. A drop in temperature, ice and wind chill (which is when colder air rushes over a warmer surface) can also cause damage like frozen and burst pipes. Taking time to “winterize” your building is a good way to prevent damage to your property this winter. However, you should also consider reviewing and adjusting your insurance policy to protect your business from disaster.

Liability Insurance

Most parts of the country experience typical winter weather, like snow and ice, which means that you need to make sure you have adequate liability insurance to cover a potential injury on your slippery walkway or driveway. Inclement winter weather—even if it’s torrential rain—can spell trouble for company drivers, as well. Be sure to review your policies to make sure that you have more than enough liability coverage to protect your business.

These two categories are just a few suggestions of what you be on the lookout for this winter in regards to your business’s insurance.  Be sure to work with your broker to review your policies, before it’s too late!

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