How Winter Weather Impacts Your Business — And the Insurance Coverage You Need

As winter settles in across the Midwest, businesses face a unique set of risks that don’t show up during the warmer months. Snow, ice, freezing temperatures, and unpredictable storms can all create liability issues that catch business owners off guard.

At Vision Insurance Group, we help local businesses prepare long before that first snowfall hits. Here’s what you need to know.

1. Slip-and-Fall Liability Increases in Winter

Icy sidewalks, wet entrances, and snowy parking lots are some of the biggest contributors to winter injury claims. Even if your business is diligent about shoveling and salting, accidents still happen.

What protects you:

• General Liability Insurance

• Workers Compensation Insurance

  
  

2. Freezing Temps Can Damage Your Property

Frozen pipes, ice dams, roof collapses, and heating system failures are all more common in winter.

Make sure your policy covers:

• Water damage

• Burst pipes

• Winter weather structural damage

• Business interruption

  
  

3. Delivery Vehicles Face Higher Accident Risks

Shorter days and icy roads increase commercial auto risk. If your business uses vehicles—even occasionally—you need proper coverage.

Consider:

• Comprehensive commercial auto

• Hired & non-owned auto liability

  
  

4. Your Employees Are Your Biggest Asset

Cold weather increases fatigue, injuries, and stress, especially for outdoor laborers.

Winter tip: Review your workers comp policy for seasonal changes in staff or duties.

Final Thoughts

Winter doesn’t have to disrupt your business. With the right plan in place, you can protect your property, employees, and financial future.

Need a review of your commercial coverage?

Visit VisionInsuranceGrp.com or contact Chris for a custom winter-readiness review.