Winter brings with it not only holiday cheer and cozy drinks, but also the potential for severe weather conditions that can pose significant risks to your business. From potential damage to your roof, interior, and plumbing, the consequences can be both time-consuming and costly to fix. However, the good news is that you can take proactive steps to minimize these risks. Whether you own or rent your building, these preventive measures are crucial for everyone.

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In this comprehensive guide, we'll walk you through various aspects of preparing your business for winter-related incidents. Additionally, we'll share real-life scenarios where insurance agents have played a crucial role in helping business owners navigate through challenges.

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 What Are Winter Weather Hazards?

Understanding the hazards that winter weather can bring is the first step in preparing your business. Common risks include:

• Snowstorms
• Freezing temperatures
• Ice dams
• Heavy snow accumulation
• Burst pipes

Maintain your restaurant before snow, ice and freezing temperatures arrive to prevent winter damage.

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Exterior Preparations for Cold Weather

Protecting the exterior of your business is paramount during the winter months, we recommend doing so before the first frost:

1. Roof inspection and repair
2. Protect outdoor equipment and structures
3. Drainage preparation to prevent ice dams
4. Clear snow and ice regularly

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 Interior Preparations for Winter

Cold weather can impact the interior of your business as well. Making these changes in the summer is best, especially if hiring a professional–their schedules get filled up quickly once fall approaches!

1. Insulate pipes and water lines
2. Install a leak detector system
3. Maintain heating systems
4. Seal drafts and air leaks
5. Protect sensitive equipment

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Emergency Planning: How to Prepare for Extreme Cold Weather

Being prepared for emergencies is crucial, especially during extreme cold weather. If you live in an area with extreme winter weather, you already know the importance of preparing a winter storm or a power outage. While you may be prepared to get snowed in at home, do you have a plan for getting stranded at work?

1. Create an emergency kit
2. Develop communication protocols with employees
3. Create a list of emergency contacts and resources
4. Prepare a business continuity plan
5. Invest in a generator

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 Insurance Considerations for Winter-Related Incidents

Insurance is a vital aspect of risk management for businesses. Commercial property insurance can help protect your restaurants and the contents you need to operate your business. It can also help protect you against losing business income and related expenses if you must temporarily halt your business.

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Read your policy to understand what is covered and what is not. Pay attention to deductibles, exclusions and coverage limits, and give your insurance agent a call with any questions. If your business has undergone changes, like acquired new equipment, make sure to reach out to your agent and get your policy updated! 

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Bracing for winter is not just about dealing with the cold – it's about ensuring your business is resilient in the face of potential hazards. By following this guide, you'll be well-prepared to minimize risks, protect your property, and navigate through any challenges that winter may bring.

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Stay ahead of the storm and safeguard your business.

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