5 Tips to Prepare Your Business for Fall & Winter

Greg Orr

gorr@orrinsurance.net

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When temperatures drop and the weather turns unpredictable, it’s smart to take a few simple steps to protect your business. Cold snaps, icy walkways, and winter storms can create expensive problems — but a little planning now can save a big headache later.

1. Check your property

Walk around your building before the cold sets in. Look for loose shingles, clogged gutters, cracked seals, or damaged siding. Make sure snow and ice can drain properly, not pile up where it could cause leaks or ice dams.

2. Prevent frozen pipes

Insulate exposed plumbing and make sure indoor temperatures don’t dip too low overnight. If your business closes for weekends or holidays, keep some heat on to avoid pipe bursts.

3. Keep walkways clear and safe

Slips and falls are one of the most common winter claims. Clear snow and ice quickly, salt or sand frequently and document your maintenance schedule in case you ever need to prove diligence.

4. Review your backup plans

Winter storms can knock out power or delay deliveries. Check your business interruption plan, confirm emergency contacts, and back up important data. If you rely on equipment or refrigerated goods, consider a generator or alternate power source.

5. Review your coverage

A quick chat with your insurance broker can make sure your policies reflect current risks and property values. Check your property, liability, and business interruption coverages so you’re protected if winter takes an unexpected turn.

Bottom line: A little prep now keeps things running smoothly all season long. If you’re not sure where to start, our team at Orr Insurance & Investment can walk you through a quick winter-readiness review — no stress, just smart planning.