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Guard Your Business & Employees From Winter Weather Hazards


As cold weather swoops in for the season, you can protect your business and employees from winter weather hazards by having the right business insurance policies in place. Freezing temperatures, ice, and snow bring risks that can prove to be financially devastating.

The III (Insurance Information Institute) reports that last year, winter storms resulted in an estimated $3.5 billion in insured losses.

Business Insurance Protection

Your business insurance policy protects your enterprise against the damage produced by heavy winter storms. Some storm events are so extreme that it is impossible to keep the doors of a business open, either due to flooding, loss of electrical power, roof cave-ins, or the variety of other problems associated with heavy winter weather. Are you adequately covered against these risks? It is important that you have your business insurance reviewed to ensure that you are protected against property damage, business cessation due to weather, and injury claims.

Slip and Falls on Your Business Property

Slip and fall accidents are common; should one occur on your business property, whether to an employee or to a client, customer, or guest, you run the risk of being forced to deal with an expensive claim or lawsuit. Every business insurance policy is different in what events they cover, and up to what dollar amount. Many business owners only discover that they were not adequately covered by insurance until it is too late.

We are available to meet with you and review all of your business insurance policies to ensure you have sufficient liability coverage to protect against the high cost of injury claims. In many cases, we have found policies with better coverage at lower rates for our clients – we know how much the bottom line matters!

Types of Business Insurance: Are you Covered?

Every business operation is unique in the types of business insurance needed. Generally, you want to be safe from the financial losses that are the result of the impact of winter weather and various other risks. The types of insurance needed include:

  • Workers’ Compensation
  • Errors & Omissions Insurance
  • Commercial Property Insurance
  • Business Interruption Insurance
  • Liability Insurance

You have worked hard to build your business, and face challenges every day. When the winter months roll around with heavy rain, snow, ice, or other weather-related events, you want to be prepared for the worst. It is important to have your business insurance policies reviewed on a yearly basis, and we are here to help. We are happy to meet with you off business hours when needed to review your existing business insurance policies. Our focus is on finding the best coverages at the lowest rates. We are always on call, and easy to reach. It is reassuring to know you have a local agent to call upon when the going gets tough. Call us today!

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