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Weather-proofing your pocket


Avoid costly repairs and cut the cost of winter weather damage

Winter weather seems to throw everything at us – wind, rain, snow, ice and floods. Melting snow on the outside and burst pipes on the inside create hazardous conditions for your customers and staff! The likelihood of slips, trips and falls increase with slippery surfaces as customers and staff walk through the wet conditions into your premises.

Quick tips to keep trading in bad weather

Help reduce the risk of financial loss to your business by carrying out some basic checks. So, what should ring the alarm bells as a cause of claims this winter?

  • Door and window frames – Check for signs of damage or leakage.
  • Gutters – Clearing gutters prevents overflow, damp and a dangerous ice rink developing on the surface below!
  • Repairs – Make repairs where floors and stairways have become uneven, tiles chipped, or carpets frayed. Include handrails on stairways – when stairs are wet people tend to rely more on a sturdy handrail.
  • Stock – Ensure your stock is not damaged. Install an umbrella stand near the front door so that your customers can drop off their brolly instead of carrying it around, risking damaging your stock with the wet fabric.
  • Floors – Keep floors dry. Hard-wood, tiled and linoleum floors can get muddy, slippery and dangerous during wet weather. Put a welcome mat at the front door to encourage customers to wipe their feet before entering. Consider having a wet-floor sign and be ready to mop up muddy footprints.
  • Burst Pipes – Freezing burst pipes is one of the most common and amongst the most expensive insurance claims made during the chilly months. Lagging on pipes and tanks should be inspected to prevent them from freezing. We also advise keeping the heating on low to prevent freezing.
  • Electrical installations – Require periodic testing and inspection to ensure they are safe for continued use. You need to get in contact with a Level 3 NVQ qualified electrician. Faulty junction boxes and other electrical equipment can lead to fires – and loss of life!
  • Fire Precautions – Are extinguishers correctly installed and properly maintained? If you have a sprinkler, that will need checking too. Is adequate emergency lighting installed? You should make certain that approved quality fire doors are fitted, that passageways are free from obstacles, and that emergency exits are not blocked – or locked!

Prepare and act now

Just remember – careful planning and actions taken now could help you and your property to survive and thrive during the winter months – no matter what the weather throws at us!

Find out more about bira insurance

Looking after business, taking care of people.

If you have any questions, please call Towergate on 0330 123 5939 and talk to the bira insurance team.

bira insurance, Towergate and Towergate Insurance are trading names of Towergate Underwriting Group Limited. Registered Address: Towergate House, Eclipse Park, Sittingbourne Rd, Maidstone, Kent ME14 3EN. Registered in England with company number 4043759. Authorised and regulated by the Financial Conduct Authority. bira insurance is a trading name of Towergate Underwriting Group Limited. Registered Address: Towergate House, Eclipse Park, Sittingbourne Rd, Maidstone, Kent ME14 3EN. Registered in England with company number 4043759. Authorised and regulated by the Financial Conduct Authority.

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