While you are likely to be monitoring your business property frequently throughout the year, it is equally important to perform maintenance that is specific to the colder weather. Some key ways that you can ensure your property is prepared for the harsher conditions can include, heating and pipe maintenance.

Beginning by checking on the condition of the heating system is key to ensure the building will be up to code, so that you, your employees, and your clients will be kept safe and comfortable during operating hours. Colder temps can also mean the potential for frozen pipe, and this can lead to costly damages.

By inspecting the pipes and properly insulating any that may be exposed to the cold, you can help prevent these damages. Of course, this also brings us back to the heating system, as consistent heating, means warmer pipes, and in turn, a safer workplace environment overall.

Another method of preparing for colder temperatures is to implement an emergency weather plan. This plan should ultimately include cold weather procedures pertaining to employee and customer safety.

Particularly when the wintry weather arrives, it is necessary to have guidelines in place to protect employees and yourself with issues related to dangerous travel to from work, as well as arrangements that perhaps can prepare for a quick switch to remote work whenever necessary.

Secondly, having a pre-assembled emergency kit can also help to offset the affects of the harsher weather. Most notably, you can compile a list of emergency phone numbers, so you can contact emergency services in pinch when needed.

Additional items you are likely to want to include in your weather safety kit are: weather gear, such as snow shovels, warm clothing, and de-icing products to ensure clear and safe walkways for all visitors. Other first-aid supplies that can make up your emergency kit, can include batteries, flashlights, blankets, device chargers, and so on.

Last but not least, one key way of protecting your small business for the upcoming colder seasons, is to revisit your insurance policy. Since harsher weather conditions can impact the structure of the building itself, for example, the roof, the pipes, and so on, it is best to ensure your policy will adequately cover any instances where repairs will need to be done.

From a business liability perspective, it will also be important to ensure you are well covered for areas specific to your business operations, such as personal liability, property and contents, as well as cyber insurance. You may also want to inquire about e-commerce business insurance, if you are operating solely or even partially through online retail channels.

At Leaders Insurance, we want to ensure you will the most prepared to operate your small business during colder weather, as well as all year round. Connect with us to learn more about the business insurance options we provide, and let us help you to find a policy that best aligns with your unique business needs.