quote
menu

Getting your business ready for winter: business insurance


Winter means more than cold weather – risk and insurance profiles change. How can you put your company on a solid footing and avoid costly slipups?

What are the most common insurance claims made in winter, why they are often rejected, and what can you do to keep your business running smoothly through sleet, fog and whatever else the dark months may bring?

Business insurance

Buildings

As a small or medium-sized business owner, you know some of the hazards that buildings pose, and how quickly a small oversight can turn into a huge compensation claim. But have you ever thought about how these risks change with the seasons? You can take some simple steps to minimise winter damage.

Roofs and gutters: Imagine a storm caused a leak in your roof that damaged your IT equipment and brought your business to a halt. You might think your insurance would cover this. But it’s important to note that most policies only cover against the ‘insured event’ (i.e. the storm). If you’ve failed to adequately maintain your roof or gutters, the damage may be deemed to be the product of wear and tear – and your insurer may reject the claim.

Pipes: Burst pipes due to frozen water are the most common problem caused by winter weather. But again, you must prove to your insurer that you’ve done everything possible to minimise this risk. During the colder months, ensure that your properties (including factories and warehouses) are kept at a minimum temperature above zero, especially if they are vacant.

Paths and walkways: Ice is a major hazard in winter. Imagine if a client or contractor slipped outside your office, or had a collision in your car park for which he or she held you responsible. Keep an eye on the weather forecast and make sure your outside spaces are well salted and gritted when it gets really cold – and that handrails are fitted wherever possible.

Vehicles

Whether you run a fleet of vehicles, your employees use their own cars for business purposes, or you simply want your staff to arrive for work(!), the basic advice is the same – and should be made clear to all those under your supervision.

Tyres and lights: These are both common contributors to accidents and should be given special attention in winter. The legal minimum for tyre tread is 1.6mm, but 3mm will increase braking speed massively in icy and wet weather. Lights should be in good working order, and kept clean to maximise visibility.

Fluids: Oil and anti-freeze are the most important liquids to keep an eye on in the colder months. If you’re not sure how to check them or which products you should be using, consult the manufacturer’s instructions. A small oversight can mean being stuck in a snowstorm.

People

This might seem like an odd category, but it’s important to include because people can’t be insured against in the same way as buildings as cars. We’ve already seen how some basic training in vehicle maintenance can increase the chances of your staff getting to work. Now let’s look at how you can keep them there.

Colds and bugs: ‘Tis the season to be sniffly! And this means more staff absences, which can seriously affect your bottom line. Taking measures to minimise infections and viruses can be well worthwhile. Consider putting in place an occupational health programme, which might include the flu vaccine for workers most at risk.

Accidents: Sending an employee outside to shovel snow could result in a back injury that keeps them off work for weeks. The same goes for wet and slippery floors and machine accidents, which can increase due to bad visibility or heavier clothing getting trapped. Again, a basic training programme will address these less obvious risks.

Get business insurance cover

Don’t forget – it’s also the season to be merry, and many businesses’ profits rise in winter. Just a little bit of extra care can ensure yours stays in the black, and off the black ice!

 

Related Articles

Scottish Power logo

Total Gas & Power

Total Gas & Power is a business energy supplier, wholly owned by Total SA. It has been a leading business ...

Read More
SSE logo

SSE

SSE is one of the UK’s leading business energy suppliers, catering for around 500,000 business with electric...

Read More
Scottish Power Logo

Scottish Power

Scottish Power has been operating since 1901 and is now owned by Iberdola, a Spanish energy firm that is one o...

Read More
Excellent, 9.7 / 10

Aaron Gallagher recently helped me…

"Aaron Gallagher recently helped me switch the gas and electricity supply for our business. He was extremely helpful and well informed which was great for me as I know nothing in this area! He saved us a small fortune and dealt with all of the switch for us which again was extremely helpful as it wasn't completely straightforward. Thanks again for you help Aaron, it was so appreciated."

This review was posted by Rachel on the 17th of February 2018

A better deal for our Village Hall

"I recently used this company to get a better energy deal for our local village hall. Other companies were quite pushy but Lorraine and Bhavni from SwitchMyBusiness were much more professional. They sent me useful information by email enabling me and the village hall committee to make a decision about which supplier to use. The switch was done by phone and when the energy provider sent the paper work to the wrong address Bhavni sorted it out straight away. I saved over £1000 for the charity."

This review was posted by Irene Winter on the 16th of February 2018

Good Service

"Lorraine was great and very helpful. We negotiated and received a good deal on our supply."

This review was posted by Edwina Nash on the 16th of February 2018

The SME Personal Switcher

"The SME Personal Switcher, Lorraine Carey was really helpful."

This review was posted by Cross Fabrications on the 16th of February 2018

Thank you, Lorraine

"Lorraine gave us excellent service.Thank you so much."

This review was posted by Fiona Laycock on the 16th of February 2018