5 Winter Readiness Tips to Avoid Insurance Claims

Winter weather can be unpredictable—and costly for businesses. From icy walkways and frozen pipes to vehicle accidents and power outages, winter storms can disrupt operations fast if you’re not prepared.

The good news? Winter risk doesn’t have to be overwhelming. With the right plan in place, you can protect your employees, customers, property, and vehicles before the next storm hits.

Here are five essential winter preparedness tips every business should review.

1. Have a Winter Emergency Plan—Before the Storm Hits

Preparation starts with awareness. Monitor weather forecasts early and communicate plans clearly with your team.

Make sure employees know:

• Winter driving safety basics
• What to do during power or heating outages
• Who to contact in an emergency

A simple, well-communicated plan can keep your business running smoothly—even during severe weather.

2. Reduce Slip, Fall, and Liability Risks

Snow and ice increase the risk of injuries for employees and visitors. Stay proactive by:

• Clearing snow and ice promptly from parking lots, entrances, and walkways
• Applying salt or ice melt regularly
• Keeping handrails, gutters, and downspouts clear to prevent ice buildup

If you use snow removal contractors, confirm they’re properly insured and reputable before winter arrives.

For employees working outdoors, provide training on cold-weather safety and recognize signs of frostbite or hypothermia.

3. Protect Your Building from Winter Damage

Cold weather can quietly damage buildings if precautions aren’t taken.

Key prevention steps include:

• Using space heaters safely and correctly
• Preventing frozen or burst pipes
• Monitoring roofs for snow and ice buildup
• Identifying areas where heat escapes or moisture enters

Technology, such as temperature and water sensors, can help identify problems early—before they escalate into costly claims.

4. Winterize Your Fleet

Vehicles face higher risks during snow and ice storms, making winter maintenance critical.

Make sure your fleet is ready by:

• Performing regular vehicle inspections
• Checking tires, wipers, lights, and fluids
• Training drivers on winter driving and emergency procedures
• Keeping emergency kits stocked with blankets, supplies, and traction aids

Additional tools, such as vehicle tracking and telematics, can also enhance safety and response times during winter incidents.

5. Review and Update Your Plan Every Year

Winter risks change, and so should your strategy. Take advantage of calmer seasons to review what worked, fix gaps, and update procedures so you’re ready long before the next storm arrives.

Be Ready Before Winter Tests Your Business

Winter weather is unavoidable—but costly damage doesn’t have to be.

Not sure if your insurance coverage fully protects your business during winter storms?

Call Klinger Insurance Group at 301-428-4935 for a coverage review and risk checkup.

Prepare now. Protect what matters. Stay one step ahead this winter.