Protecting Your Business from Seasonal Hazards: Fall & Winter Maintenance and Insurance Tips

As fall and winter approach in Oklahoma, business owners should be prepared for seasonal hazards. Shifting weather can bring unique risks, from slippery walkways to frozen pipes, making proactive maintenance and the right business insurance coverage essential for business protection.

Why Seasonal Maintenance Matters

Oklahoma’s fall and winter months can be unpredictable, with sudden temperature drops, ice storms, and heavy winds. These conditions may lead to property damage, liability claims, and business interruptions. By addressing seasonal maintenance now, you can help financially safeguard your property, employees, and customers.

Key Fall and Winter Maintenance Tips

Consider the following tips to help with your business:

• Inspect and maintain roofs. Clear gutters and downspouts to prevent water buildup and ice dams. Check for loose shingles or leaks that could worsen with snow or rain.
• Prepare walkways and parking lots. Remove leaves and debris, and stock up on ice melt or sand to reduce slip-and-fall risks when temperatures drop.
• Service heating systems. Schedule professional inspections for furnaces and boilers to ensure safe, efficient operation throughout the colder months.
• Protect pipes. Insulate exposed pipes and keep indoor temperatures consistent to help prevent freezing and costly water damage.
• Review emergency plans. Update your business’s emergency procedures and ensure staff know what to do in case of severe weather or power outages.

Insurance Considerations for Businesses

Even with the best maintenance, accidents can happen. That’s why having the right business insurance is crucial. You should review your policies to make sure you’re covered for:

• Property damage—Coverage for damage caused by storms, ice, or burst pipes
• General liability—Protection if someone is injured on your premises due to seasonal hazards
• Business interruption—Compensation for lost income if your business must close temporarily after a covered event

Contact Us

At Jordan Insurance Brokers in Oklahoma City & Purcell, OK, we work closely with business owners to identify seasonal risks and tailor insurance solutions. Our team can help you minimize disruptions and recover quickly if the unexpected occurs.

Contact our team today for a personalized quote or more information.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.