Small Business: 6 Ways to Prepare Your Business for Winter
Now that the clocks have been set back for Daylight Saving Time, winter in Canada is quickly approaching. Did you know the majority of claims for commercial businesses happen during the winter months?!
Here are 6 ways to help you protect your small business from an insurance claim.
Hire a snow removal company
Assuming you don’t want to be up all hours of the night removing snow from your business’ parking lot and sidewalks, hiring a snow removal company is essential for preventing an insurance claim against your small business. The #1 cause of commercial claims are from people slipping/falling and injuring themselves on a business’ property.
When hiring a snow removal company, ask to see the company’s certificate of insurance. Making sure the company you choose to hire is properly insured to do the task will ensure you’re not held liable in the event a claim gets filed against you or the company you hired to manage the snow around your place of business.
Manage your water
This is a reference to the water going in and out of your building and property.
If you have an outside water line, make sure you’ve turned off the water and drained all water out of your outside water lines. Water left in a water line can freeze and, potential, cause a pipe to burst.
It wouldn’t be a Canadian winter without lots of the fluffy white stuff. You should try your best to keep snow from building up against your business’ building structure.
Make sure your sump pump or backflow valve is working properly. In case of a power outage, make sure your sump pump has a battery back up.
Floor mats: a worthy investment
As mentioned previously, you want to do all you can to prevent a client from slipping or falling. This includes inside your place of business.
Mopping as frequently as possible, as well as having ‘’wet floor’’ signage, should be accompanied by non-slip floor mats. Floor mats are best if they’re placed at the entrances and other high traffic areas of the business.
Depending on the amount of foot traffic your small business receives, along with how much wet gets brought in, will determine how often you need to swap your floor mats out to help keep your customers safe.
Check alarm batteries
The batteries on your fire and carbon monoxide alarms should be checked semi-annually, at least. Not only can properly functioning alarms prevent damage to your business but, more importantly, they can save lives.
You should get your furnace and heating system checked, at least, annually to ensure all systems are working correctly.
Now that you’re needing to use your furnace, it’s a great time to get a licensed heating technician to come have a look and make sure your system will be able to heat your business throughout the winter months.
Be prepared for a power outage
Sometimes, the sheer volume of snow and coldness of plummeting temperatures can wreak havoc on a city’s power system.
Purchasing a generator capable of providing power to your business, in case of emergency, can ensure you don’t miss out on any business opportunities during a power outage.