Winter Weather Prep for Your Business

Your building is your business’s foundation. Inspect roofs, gutters, and insulation to prevent leaks, ice dams, and water damage. Ensure that pipes are insulated, and heating systems are working efficiently to avoid freeze-related issues. Regular maintenance not only helps prevent emergencies but also shows your insurer you’re taking proactive steps to mitigate risk.

 

Cold weather can take a toll on HVAC systems, vehicles, and machinery. Schedule preventive maintenance checks before the temperatures drop, and make sure fluids, batteries, and heating elements are in top condition. A small investment in upkeep can prevent larger repair costs and unexpected downtime later in the season.

 

Snow, ice, and wind can cause outages that interrupt your business operations. Backup generators, surge protectors, and a continuity plan can help keep essential systems running. It’s also wise to check that your insurance covers business interruption and equipment damage caused by power loss.

 

Slippery sidewalks and parking lots create a major liability risk for employees and customers alike. Keep walkways clear, salt high-traffic areas, and document maintenance to protect your business in case of an incident. Many policies include coverage for slip-and-fall claims, but prevention remains your best defense.

 

Winter conditions can expose coverage gaps you might not realize exist. A quick policy review with your insurance agent can confirm whether your business is protected from weather-related losses, equipment breakdown, or other seasonal risks. Reviewing exclusions now can save frustration and expenses later.

 

Michigan winters are unpredictable—but your preparedness doesn’t have to be. With preventive maintenance, safety planning, and the right insurance coverage, your business can stay protected and productive all season long.