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Colorado Insurance Blog

Common Winter Commercial Insurance Risks That Colorado Business Owners Should Be Aware Of

Integrity First Insurance provides Colorado residents with access to several different types of insurance coverage. Evaluating your insurance options can be a difficult process. That’s why Integrity First Insurance is here to assist you. We are committed to helping our clients find the coverage that they need.

Common Winter Commercial Insurance Risks

Commercial insurance helps you protect the future of your business. As a business owner in Colorado, operating the business daily can be a difficult process. That’s why commercial insurance is an asset. The policy covers your business during potential liability disputes. Your equipment is also protected if something were to happen. Workers Compensation allows you to protect the interests of your employees as well as your business. As the weather changes and starts to get colder, the likelihood of a potential disaster increases. Here is a look at some of the common insurance risks businesses face during the winter.

Frozen Pipes

During harsh winters in Colorado, your business is at risk of developing frozen pipes at different parts throughout the building. Make sure that your building is fully insulated. Consider using heating cables. During closing hours, shut off the valves.

Potential Customer Injuries

As more snow starts to fall or ice builds up, the potential for one of your customers to slip and fall increases. During serious cases, a potential accident may lead to severe sprains or broken bones. In order to prevent potential liability disputes, make sure that you shovel the snow around the building and put down salt regularly. If you have cracks on the concrete outside your building, try to get those repaired before winter starts.

Power Outages

Make sure that you have a backup generator on hand if a power outage happens. You can add business interruption coverage to your policy.

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