Preparation is key when it comes to Winter-proofing your Business

With winter soon to be on our doorsteps, after such a challenging year the last thing you want to contend with is the prospect of strong winds, heavy rain, frost and snow causing damage or disruption to your business.

Before temperature plummeted, now is the best time to ensure business premises is prepared for winter and to check your policy to ensure you are adequately insured.

Here are just a few tips on what to look out for when battling winter conditions:

Pipes
If you are planning on closing for the weekend or longer during the holiday season, leave the heating on (ensure your boiler has been maintained) on the minimum setting and check on a regular basis to avoid pipes freezing. If a pipe bursts, turn off the water supply and central heating system and drain the system by turning on the cold taps.

Flooding
If you are in an area that could be at risk of flooding, it would be advised to move valuable stock on a higher level and fit a flood alarm in vulnerable areas. Sign up to the Environment Agency’s ‘Floodline Warnings Direct’ service to keep up to date with the latest information

Oil
If your business is in transportation or logistics, it is advised to ensure maintenance checks have been carried out before battling winter weather conditions. Before refilling an oil tank, check for leaks and ensure it is secure. You should also make sure your current policy covers accidental loss of oil. You should also double-check you have the right level of insurance protection in place to provide cover for such incidents as damage to buildings, contents and stock, business interruption and loss of earnings.

Storm & High Winds
Properties in the UK have suffered damage considerable damage due to high winds and rain. Quite often the damage goes unnoticed until it becomes a bigger issue to deal with. We would advise to regularly check your property and outbuildings for damage and for loose/missing roof tiles.

Blocked Drains & Gutters
Having a blockage in your gutters or drains can result in water damage, meaning it is essential to ensure they are clear of leaves, climbing plants and dirt.

Walkways & Gardens 
Clear all walkways and order grit to ensure pavements and pathways are safe should we see snow and ice this winter. It is also important to check any trees in your garden for signs of weakness or remove branches that overhang on your premises to avoid potential damage should they fall due to winter weather conditions.

We would also strongly advise you to keep details of your policy number and cover details on hand, just in case of loss or damage to your business this winter.

If you would like a review of your insurance policy,  please contact us on 01274 515 747 or email us at mail@lwood.co.uk.

Sources:
Willis Towers Watson Networks Insurance Matters articles