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As we head into the winter season it is important to protect your business from the winter elements and mitigate your potential for losses. Here are a few basic tips that can help reduce your risk for a loss:

Not all de-icers are created equal.

During cold weather, using de-icers on outside areas like parking lots and sidewalks can reduce slips, trips, and falls. De-icers can vary by price, corrosiveness, and effectiveness. A business should consider weather conditions and the application area when choosing one. For example, sodium chloride (rock salt) is inexpensive, but corrosive to concrete and less effective at lower temperatures. Ice melt blends (magnesium chloride or calcium chloride) are more effective at lower temperatures, but also more expensive. Proper application is also important. Melting snow can re-freeze overnight, so treat areas first thing in the morning, prior to the arrival of employees and visitors.

Don’t forget about the entryways (all of them)

The risk of slips and falls does not end once someone enters a building. Snow, ice, sand, and salt tracked in from outside can create hazards in entryways. Businesses should keep these areas clean and dry and use matting to absorb moisture to help mitigate these risks. An entryway’s size, flooring type, and traffic volume can affect the housekeeping schedule, floor mat length, and how often a mat should be replaced. Review plans to ensure they address each entryway.

Even dry pipe sprinkler systems can "freeze-up"

As the name implies, dry pipe sprinklers contain pressurized air that is replaced with water only once the system is activated by heat. Even these systems are susceptible to freeze-ups and are the cause of many winter-related losses. Transient water or condensation from the air within the system can build up and freeze during cold weather, causing damage to steel pipes and fittings. To minimize this risk, business owners should make sure systems are properly installed, with pipes sloped so water collects at low points, and that pipes are drained on a quarterly basis.

Burst pipes can lead to significant damage and safety issues

Freeze-ups in piping typically occur in areas that are not adequately heated or insulated, such as in vacant buildings, near drafty windows, or in attics. Adding insulation can help, but if pipes do freeze up and burst, they are not only costly to fix, they could lead to extensive damage if water is not quickly turned off at the main source. It’s important that responsible personnel know the location of water shut-off valves (and how to use them) to minimize damage. If sprinkler systems are impaired as a result, a business should contact its insurance partners and local fire department to alert them of the potential hazard.

If you have any questions or would like us to give you a second opinion on your business insurance please call us at 804-559-1200.

Posted 1:59 PM  View Comments

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