How Winter Weather can cause disruption for Businesses of all sizes

As we step into Autumn there are some key issues employers and property owners need to be aware of at this time of year.

It’s important to assess the risks to commercial property to help you prepare for any adverse weather, including floods and storms

Businesses should ensure that property inspections are regularly carried out, paying extra attention to at-risk areas such as gutters, chimneys, roofs and pipes carrying water. Should any damage occur that requires repair, it’s essential that trained professionals are brought in to do the job, and that employees do not attempt dangerous work.

Escape of water

One common issue during cold weather is escape of water caused by frozen pipes, where even a small leak can cause significant property damage and interruption to your business, particularly if an event should occur while the property is unoccupied.

Ahead of any cold weather, property owners should check that pipes are properly lagged, especially in areas that are poorly heated such as roof spaces. In addition, confirm that your boilers are serviced and the thermostatic controls are set to keep the premises well above freezing.

Escape of water losses can also lead to electrical problems or even fire.

Slips and trips

Wet winter weather conditions, ice, leaves and less daylight hours can increase the risk of injury and potential liability. Careful preparations can help your business to avoid any slips and trips.

Road traffic collisions

Autumn brings fallen leaves, colder weather, rain, lower sun, frosts and longer periods of darkness – all of which can impact driver performance and contribute to an increase in road traffic collisions. Following any road traffic accident, no matter how minor, it’s essential to report the incident to your insurer as soon as possible.

Aviva Autumn Risk Management Bulletin

To help you put measures in place to minimise damage and accidents during the winter period our insurer partner Aviva has put together a very useful guide including comprehensive resources. Please click here to download.

If you have any questions relating to your existing business insurance cover please contact or call 0330 058 0260