Essential Winter Risk Management Tips for Small Business Owners

Winter brings unique challenges for small businesses. Cold temperatures, snow, and ice increase risks for employees, customers, and property. Taking proactive steps helps prevent accidents, protect assets, and reduce costly disruptions.

1. Inspect Your Space

Focus on areas under your control. Check heating systems, insulation, plumbing, and electrical equipment. Protect machinery, inventory, and sensitive materials from cold and moisture.

2. Keep Entrances and Walkways Safe

Clear snow and ice from entrances, ramps, and interior floors. Use mats, salt, or sand to prevent slips. Post warning signs where floors may be wet or slippery.

3. Review Insurance Coverage

Confirm your property, liability, and business interruption policies cover winter risks relevant to your business. Discuss with your insurance agent about your weather-related concerns. Remember, closures due to snow accumulation alone are typically not covered, so plan accordingly.

4. Update Emergency and Continuity Plans

Create or refresh a plan for severe weather. Include employee communication, temporary closures, supply chain adjustments, and backup power if needed. Assign roles to essential personnel and ensure everyone knows the procedures.

5. Communicate Clearly

Keep employees informed about safety protocols and operational expectations. Notify customers promptly about closures, delays, or changes in services to reduce confusion and exposure.

6. Understand Landlord Responsibilities

Clarify which areas the landlord maintains, such as exterior snow removal, roof upkeep, or lighting. Document expectations and follow up if conditions are unsafe. Knowing these boundaries prevents disputes and ensures a safer environment.

7. Train Employees on Winter Safety

Provide guidance on avoiding slips, using heating equipment safely, and responding to cold-related hazards. Well-informed employees reduce accidents and feel more confident in winter conditions.

Proactive planning allows small business owners to maintain a safe environment, minimize losses, and keep operations running smoothly throughout winter. Focusing on what you control, while understanding landlord responsibilities, ensures your business is prepared for seasonal risks.

Concklin Insurance Agency is a trusted partner for small businesses seeking to enhance risk management strategies year-round. Our experienced advisors take a comprehensive approach, helping clients identify potential exposures and implement tailored solutions that address winter hazards and beyond.