TDA Insurance Blog
Michigan Business Insurance: Looking After Your Premises During The Winter!
1/26/2012 10:30:13 AM
Cold winters can mean loss of power, roof problems, frozen pipes, shivering employees, and Michigan business insurance claims for property damage or business interruption if you’re not careful. Fortunately, the Insurance Institute for Business and Home Safety (IBHS) provides risk reduction advice for strategies to not only keep your business operating in winter, but to maintain your premises and protect it from damage.
In winter, it’s essential to protect your roof from collapse from excessive snow and ice loads, prevent water pipes from freezing over and bursting, and prevent ice dams from forming in your gutters, which can lead to flooding. This may be achieved by addressing roof strength and taking steps to improve it if necessary.
Snow and ice removal should preferably be done by a professional contractor. Ice dams can be avoided by good roof and gutter maintenance, installing heating cables on gutters, and improvements to ventilation and insulation. Frozen pipes can be avoided by maintaining warmth in the building through internal heat sources, insulation, and the sealing up of gaps.
The IBHS recommends investing in a generator to ensure a continuous power supply. Finally, having a business continuity plan in place also means you are more likely to keep operating in the colder months, either at your own premises or an alternative.
To conclude – being well-prepared is vitally important to avoid the property problems that can occur in freezing winter conditions. It’s also important to have strategies in place for business continuity to help avoid incurring additional Michigan business insurance claims and expenses!
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In winter, it’s essential to protect your roof from collapse from excessive snow and ice loads, prevent water pipes from freezing over and bursting, and prevent ice dams from forming in your gutters, which can lead to flooding. This may be achieved by addressing roof strength and taking steps to improve it if necessary.
Snow and ice removal should preferably be done by a professional contractor. Ice dams can be avoided by good roof and gutter maintenance, installing heating cables on gutters, and improvements to ventilation and insulation. Frozen pipes can be avoided by maintaining warmth in the building through internal heat sources, insulation, and the sealing up of gaps.
The IBHS recommends investing in a generator to ensure a continuous power supply. Finally, having a business continuity plan in place also means you are more likely to keep operating in the colder months, either at your own premises or an alternative.
To conclude – being well-prepared is vitally important to avoid the property problems that can occur in freezing winter conditions. It’s also important to have strategies in place for business continuity to help avoid incurring additional Michigan business insurance claims and expenses!
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