Be Prepared for Winter

Posted 28/11/16

With Christmas approaching, we’re sure you’ll be busy planning for one of your busiest periods. As well as preparing for the extra trade at this time of year, it is also important to prepare for potential bad weather. By taking the time now to ensure that your business is weather proof, and covered by the right level of insurance protection, you can try to limit any possible business interruptions and loss of earnings. Don’t wait until it’s too late to get yourself prepared.

Now is a good time to start assessing your winter weather risks. Cold weather can cause pipes to burst, damage to roofs and boilers that haven’t been serviced and maintained, to break down. Adverse weather can also bring floods and storms which can cause numerous problems for businesses. All of these issues can cause major business disruptions as well as financial concerns as a result of the rise in energy bills.

Top tips

To help you prepare for the festive period, we’ve compiled some top tips to ensure your business is ready for the winter months and you are reducing the risk of incidents:

  • Make sure there are no loose or missing roof tiles, the drains are clear, and the guttering isn’t leaking or broken.
  • Have the tools to clear walkways and order extra grit for the pavement should ice and snow come.
  • You may consider trimming any potentially dangerous nearby trees.
  • All water pipes both inside and out and storage tanks should be properly insulated.
  • Make sure all stop cocks and valves are identified, clearly marked, and accessible.
  • Sign-up to the Environment Agency’s Floodline Warnings Direct service.
  • Make sure your boiler is scheduled to have an annual service.
  • Check your stock is safe – store your valuable stock at least 150mm off the ground.
  • Fit an automatic electric sump pump in any basements used for storage.
  • Fit a water leak/ flood alarm in vulnerable areas and make sure it is monitored.
  • Keep the telephone number for your insurance claims team and your policy number to hand.

By taking these precautionary measures, you can hopefully keep your business running as smooth as possible over the coming months, ensuring the Christmas period is as profitable as possible.

With competitive quotations from a range of leading insurers and a dedicated claims team in the unfortunate event of a loss, we are here to assist you with your insurance needs. Contact us for more information.

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