8 steps to help winterproof your business

As the UK braces for the colder months, it's crucial to take proactive steps to protect your business from the potential risks of winter weather.

At Fidentia Insurance our specialists understand the many seasonal challenges businesses face at this time of year, which can disrupt operations and lead to costly claims.

Winterproofing and protecting your commercial property requires forward planning and practical steps. We’ve therefore compiled this practical guide to help you prepare from an insurance perspective.

 

1_Prevent slips and falls

In damp or icy weather, placing non-slip mats securely at entrances is a good idea to reduce the risk of slips and falls. Don’t forget to set up clear warning signs to alert visitors and staff of icy or wet surfaces. This will help to prevent accidents and potential liability claims.

In cold spells, regularly clear snow and ice from walkways, car parks, and entrances. If you're a tenant, check your lease agreement to determine who is responsible for this.

 

2_Guard against water damage

Regularly cleaning gutters and downpipes of fallen leaves and other blockages helps to prevent water pooling, leaks or flooding and the damage these bring.

It’s important to schedule regular inspections of the roof and external structures for any damage, such as loose tiles or cracks, and address these issues promptly. Check your policy conditions as there is often a requirement for flat roofs to be inspected at set intervals.

If inspecting the building yourself is unsafe, hire a reputable tradesperson. Periodic inspections help to prevent damage escalating into insurance claims. If you are a tenant, check your lease agreement to determine who is responsible for this.

Consider investing in flood barriers or sandbags if your business is in a flood-prone area. Do also look at ways to elevate your storage (for example, on pallets or shelving) to minimise the risk of water damage but review your insurance policy terms. This is because some policies require the stock to be stored at a certain height above ground level to maintain cover (Look out for Stillage Conditions).

 

3_Securing the site ahead of storms and strong winds

Ahead of a storm or strong winds, bring indoors or securely fasten any outdoor furniture, signs, or awnings to avoid any possible damage or injuries, resulting in liability claims.

 

4_Protect your plumbing system

Frozen pipes and tanks carry the risk of potential water bursts and the potential damage that brings.

To prevent this, insulate pipes and tanks, especially in unheated areas. Endeavour to maintain a consistent indoor temperature – ideally above 10 degrees Celsius to minimise the risk of frozen pipes. If you rent the property, check with your landlord to confirm who is responsible for ensuring adequate insulation.

It’s also sensible to make sure people in the business know the location of the stopcock and check it is in working order. In the event of a burst pipe, being able to turn off the water supply quickly could prevent significant damage and claims.

 

5_Manage snow and ice risks

Have a plan in place to clear snow and ice from access roads, pathways, and car parks. Use grit or rock salt to keep these areas safe for staff and visitors. Confirm with your landlord whether this responsibility is theirs or yours if you rent your premises.

 

6_Ensure adequate lighting

As daylight hours reduce, test and maintain outdoor and security lighting to ensure it works effectively. This will greatly help improve visibility, reducing the likelihood of slips, trips, or falls that could lead to injury claims whilst also deterring burglars.

Also, remember to check that your emergency lighting is working in the event of a power outage. Consider security systems during power outages too and the need to advise your broker if the business is without its security systems.

 

7_Fire safety

If you are using additional heating sources over the winter months, such as portable heaters, don’t forget to review your fire risk assessments accordingly. You should also notify your insurer of any temporary heating arrangements, as insurers may refuse cover or impose strict conditions relating to their use.

 

8_Emergency preparedness

Develop an emergency plan to address and minimise potential storm-related disruptions. This should include a plan for communicating with staff during severe weather events, including when to send them home or ask them to stay home.

 

Summary

From our experience as insurance specialists, taking these steps not only helps protect your business but also ensures you remain compliant with your insurance policy requirements.

Regular maintenance, preparation, and planning can reduce risks, prevent accidents, and minimise claims. By acting now, you can help prepare  - your business - to face whatever the winter months bring.

Do contact our friendly team of professionals if you need insurance advice on protecting your business this winter.