Extreme Winter Weather Precautions for Businesses

How to prepare your business for extreme winter weather.

Building Covered in Snow| Insurance AdvisorsWith winter right around the corner many businesses are unprepared when normal winter weather turns to extreme winter weather. Many events can occur that could result in devastating losses. During severe cold water or sprinkler pipes can freeze and burst, thus affecting paperwork, records, computers, and machinery. A broken or open window in an un-insulated area can let in enough cold to set off a chain of events, freezing nearby piping and major setbacks. There are some things that you can do to prepare for the winter ahead to avoid these costly problems.

  • Update your Emergency Response Program for winter emergencies to include proper procedures for severe cold conditions. Also have someone monitor the weather forecast to plan ahead for these conditions, and procedures for loss of heat or electricity.
  • Determine which company processes depend on building heat or electricity for safety and need special attention.
  • Identify processes, equipment, and piping that contain or use water or other liquid that is susceptible to freezing, those might need to be drained in the event of loss of heat or electricity.
  • Locate building areas that are more difficult to heat, install an ordinary thermometer to monitor temperature during times of severe cold.
  • Service the heating system before the winter season begins to insure that everything is working properly.
  • Inspect the exterior of your buildings to minimize unnecessary openings, fix windows and doors so that they close tightly. Insulate and weather strip as needed.


Cyber Liability Insurance

Why should I car about Cyber Liability?

Cartoon about spyware with a sneaky spy connecting to someones computer.In an ever-growing technological and online age, the cyber risks are increasing. Liability for loss of consumer or employee data is not typically covered under a corporate insurance policy. You may think that only large companies are the ones that are at risk, but that is not the case. Studies have shown that over 72 percent of data breeches have occurred in small to medium sized businesses with 40 percent of those breeches occurring in organizations of 1000 or fewer employees, and the average cost of a data breech is upwards of 5 million dollars.

Many overlook this type of insurance due to the fact that they do not know that something of this nature exists or they don’t think a data breech could happen to them, but actually we are all at risk. With October being National Cyber Awareness month, now is the time to learn or reevaluate if Cyber Liability Insurance is something for you and your business. Cyber liability is available for organizations of all sizes, and it can be offered as a standalone policy or as part of a comprehensive suite of other management liability overages.

By: By: Niklas Almström, Insurance Advisors


OSHA – Regulations Overview

OSHA RegulationsWith the Occupational Safety and Health Act of 1970, Congress created the Occupational Safety and Health Administration (OSHA). They created OSHA to assure safe and healthy working conditions for working men and women by setting and enforcing standards and also by providing training, outreach, education and assistance. OSHA has created a set of guidelines to help better your workplace, some of these include:

  • Get training from your employer
  • Request information from your employer
  • Request action from your employer to correct hazards or violations
  • File a complaint with OSHA
  • Be involved in OSHA’S inspection
  • Find out results of an OSHA inspection
  • Get involved
  • File a formal appeal
  • File a discrimination complaint
  • Request a research investigation on possible workplace hazards

With these you can help your workplace be a safe a healthy place to work by limiting future accidents and help lower the cost of your workers’ compensation premium and other costs.

Download our free OSHA Tip Sheet