Is Your Business Insurance Ready for Winter Weather Risks?

Oregon’s winters may bring heavy rain, snow, ice storms and freezing temperatures. For small and medium-sized business owners, these conditions create hazards that may disrupt operations and cause expensive damage. Seguro Noroeste LLC recognizes the challenges local businesses encounter during the winter months and is ready to help you prepare with tailored business insurance solutions.

Oregon’s Winter Business Risks

Winter weather in Oregon can lead to a range of issues for businesses, including:

• Property damage from ice, snow or fallen trees
• Roof leaks or collapses due to heavy snow accumulation
• Frozen pipes and resulting water damage
• Power outages that halt operations
• Slippery walkways that increase the risk of customer or employee injuries

These risks may affect your ability to serve customers, damage valuable equipment, and require a temporary closure of your business.

Essential Coverage for Winter Storms

Reviewing your insurance policies and confirming you have financial protection for winter-related risks is essential. Our team may recommend coverage such as the following:

• Commercial property insurance may cover your building, equipment and inventory against damage from winter storms, sudden water leaks or structural collapse.
• Business interruption insurance may help replace lost income and ongoing expenses if your business must temporarily close because of winter weather events included in your policy.
• General liability insurance may cover medical bills of a guest who is injured on your property as a result of icy conditions. If the incident results in a lawsuit, this may also cover your legal fees and settlement costs.
• Equipment breakdown coverage may pay for repairs or replacement if essential systems fail because of winter-related causes.

Learn More

Seguro Noroeste LLC collaborates with Oregon business owners to identify potential winter weather exposures and customize insurance solutions. Our team can review your current policies, suggest updates and respond to any questions about business insurance. Contact us today to get personalized guidance.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.