Fall isn’t just for foliage — it’s a critical time to protect your business before winter hits. As the seasons change, so do the risks facing your business. Whether you run a cozy café in Georgetown or manage a growing tech firm, fall is the perfect time to review your insurance coverage and prepare for what’s ahead. Here’s a question many business owners are asking this time of year:
“What insurance updates should I make before winter?”
Let’s dive into five smart moves that can protect your business — and your bottom line.
1. Prepare for Cold Weather Claims
Fall is the warning shot before winter. Frozen pipes, heating system failures, and icy walkways can lead to costly claims. Make sure your property insurance covers seasonal damage — and that your liability limits are high enough.
2. Clean Up Your Liability Risks
Wet leaves, early frost, and shorter daylight hours increase the risk of slips and falls. If customers or employees get hurt, your general liability policy is your safety net. Now’s the time to:
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Clear walkways
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Improve outdoor lighting
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Check your coverage limits
3. Review Your Business Interruption Coverage
If a storm or equipment failure shuts you down, business interruption insurance can help cover lost income. Make sure your policy reflects your current revenue and operating costs — especially if your business has grown this year.
4. Check Your Equipment Coverage
Heating systems, generators, and seasonal tools are working overtime in the fall. If they break down, equipment breakdown coverage can save you thousands. Ask your agent if you’re protected.
5. Update Your Employee Coverage
Hiring seasonal help for the holidays? Make sure your workers’ comp and employment practices liability insurance (EPLI) are up to date. It’s also a great time to review benefits and health coverage options.
Bonus Tip: Bundle and Save
Fall is a great time to bundle your business policies — property, liability, auto, and more — for better protection and potential savings.
