Before each winter, business owners should spend time preparing to protect their property and operations from the challenges brought by cold weather, snow and ice. Winterizing your business is not just about staying warm—it’s about safeguarding your assets and minimizing potential risks.

A well-prepared business can avoid costly repairs and downtime during the winter season. Here are seven tips to help you protect your business this winter.

1. Inspect and Maintain Your HVAC System. A properly functioning heating system is essential to keeping your building warm and safe. Schedule a professional inspection of your heating, ventilation and air conditioning (HVAC) system to ensure it’s in good condition. Regular maintenance will help prevent breakdowns during cold snaps, ensuring your employees and customers stay comfortable and preventing pipes from freezing. 

   Regularly changing air filters improves efficiency and reduces strain on the system.

2. Seal Windows, Doors and Other Openings. Drafts from unsealed windows and doors can cause significant heat loss, leading to higher energy bills and making it harder to keep your space warm. Use weather stripping, caulking and insulation to seal these gaps and maintain a consistent indoor temperature.

   It’s also a good time to check for any leaks in the building’s structure that could allow moisture inside, which could lead to mold or damage during heavy snowfalls.

3. Review Your Insurance Coverage. Winter weather can bring unexpected challenges, from burst pipes to property damage caused by heavy snow or ice. Before winter hits, review your business insurance policy to ensure it provides adequate coverage for winter-related risks. Your local Whitbeck Insurance agent can help you assess your policy and recommend any adjustments to make sure you’re fully protected.

   Discuss any potential business interruptions with an Whitbeck Insurance agent to explore coverage options that can help keep your operations running smoothly, even in the face of a winter storm.

4. Prepare Plumbing and Pipes for Freezing Temperatures. Frozen pipes can cause significant water damage if they burst. Insulate any exposed pipes, particularly those in unheated areas like basements or attics. Make sure to disconnect outdoor hoses and shut off exterior faucets. If your business will be closed for an extended period, consider draining the pipes or setting the thermostat to a temperature that prevents freezing.
5. Inspect the Roof and Gutters. Heavy snow and ice buildup on the roof can lead to structural damage or leaks. Ensure your roof is in good condition by inspecting it for any loose or damaged shingles, and clear debris from gutters and downspouts. Clean gutters allow water to flow freely, preventing ice dams that can cause water to back up and seep into your building.

   Schedule regular roof inspections throughout the winter to ensure snow accumulation doesn’t exceed safe levels.

6. Develop a Snow and Ice Removal Plan. Slippery sidewalks, parking lots and entryways pose a serious hazard for employees and customers. To avoid accidents, establish a reliable snow and ice removal plan that includes salting walkways and clearing parking lots promptly. Ensure that any snow removal contractors are properly insured and review your contract to confirm they meet your safety standards.
7. Check Fire and Carbon Monoxide Detectors. With increased use of heating systems during the winter, the risk of fire and carbon monoxide poisoning rises. Ensure all smoke detectors, carbon monoxide detectors and fire extinguishers are in working order and comply with local regulations. Regularly test these devices and replace batteries as needed. It’s also a good idea to have an emergency plan in place that includes evacuation routes and staff training.

Finding the Right Coverage for Your Business

Protect your business this winter with comprehensive coverage and expert guidance. Contact your local ERIE agent today to discuss tailored business insurance solutions that keep you covered year-round. Don’t wait—ensure your business is prepared for whatever the season brings.

ERIE® insurance products and services are provided by one or more of the following insurers: Whitbeck Insurance Exchange, Whitbeck Insurance Company, Whitbeck Insurance Property & Casualty Company, Flagship City Insurance Company and Erie Family Life Insurance Company (home offices: Erie, Pennsylvania) or Whitbeck Insurance Company of New York (home office: Rochester, New York).  The companies within the Whitbeck Insurance Group are not licensed to operate in all states. Refer to the company licensure and states of operation information.

The insurance products and rates, if applicable, described in this blog are in effect as of October 2024 and may be changed at any time. 

Insurance products are subject to terms, conditions and exclusions not described in this blog. The policy contains the specific details of the coverages, terms, conditions and exclusions. Whitbeck Insurance Agency can offer you practical guidance and answer questions you may have before you buy.