As temperatures drop, winter brings a range of seasonal challenges for UK businesses. From frozen pipes and storm damage to staff safety concerns and supply chain disruption, the colder months can create costly risks if not managed proactively. Many businesses face property damage, operational downtime and unexpected expenses — all of which can be minimised through simple planning and the right insurance protection.
At Baldersons Insurance Brokers, we work with businesses across South Yorkshire and beyond to help them prepare for seasonal risks and stay resilient throughout the winter period. Here are the key risks to be aware of — and how to reduce them.
1. Cold Weather Damage: Frozen Pipes & Heating Failures
Prolonged freezing temperatures can cause pipes to crack or burst, leading to water damage, electrical issues and major repair costs. Heating breakdowns can also disrupt trading, especially for hospitality and retail.
How to protect your business:
✔ Keep buildings heated even when unoccupied
✔ Insulate exposed pipes
✔ Schedule boiler checks and maintenance
✔ Ensure your property insurance includes escape of water cover
2. Storms, Floods & High Winds
Winter storms are increasing in frequency and severity across the UK. Roof damage, broken windows and flooding can halt operations for days or weeks.
How to reduce the risk:
✔ Check roofs, gutters and drains for damage or blockages
✔ Ensure outdoor signage and equipment is secured
✔ Review flood risk and consider flood barriers or door guards
✔ Confirm your policy includes storm and flood damage cover
3. Slips, Trips & Public Liability Risks
Icy car parks, wet floors and dark mornings significantly increase slip-and-trip accidents involving both employees and visitors.
Risk management tips:
✔ Grit external areas daily
✔ Improve lighting in car parks and entrances
✔ Display clear signage during wet or icy conditions
✔ Check your public liability insurance is adequate
4. Staff Safety & Winter Driving
Cold weather affects staff wellbeing and increases the risk of vehicle accidents — especially for employees driving between sites or making deliveries.
Reduce exposure by:
✔ Encouraging staff to check tyres, lights and screenwash
✔ Creating a winter driving policy
✔ Allowing flexible hours during severe weather
✔ Ensuring motor and fleet cover is up to date
5. Business Interruption From Weather-Related Downtime
Even minor damage can stop a business trading. Without the right insurance, lost revenue can be difficult to recover.
Protect your income with:
✔ Adequate Business Interruption Insurance
✔ Clear contingency plans
✔ Safe alternative working arrangements
Winter can be a challenging season for businesses — but with preparation and the right insurance protection, you can stay resilient and avoid costly disruptions.
At Baldersons Insurance Brokers, we support local businesses with tailored advice, comprehensive cover and proactive risk management guidance.
Need help preparing your business for winter? Get in touch — our team is here to help.
