Winter Risk Management for Commercial Properties: A Practical Guide for Business Owners

Canadian winters bring unique challenges for commercial property owners. Heavy snow, freezing temperatures, and icy conditions can disrupt operations, damage buildings, and put staff and visitors at risk. Taking proactive steps now can help you avoid costly repairs and maintain a safe, efficient environment throughout the season.

This guide outlines practical strategies to help protect your property and prepare your business for winter weather.

Stay Ahead of Snow and Ice Hazards

Snow and ice accumulation can affect both safety and structural integrity. Consistent maintenance reduces the likelihood of incidents or property damage.

Key actions include:

• Clear snow from roofs, doorways, pathways, and emergency exits.
  
  
• Apply sand or salt to walkways and stairs to prevent slips.
  
  
• Keep gutters and downspouts free of leaves and debris.
  
  
• Check exterior locks, doors, and equipment for freezing.
  
  
• Ensure nearby fire hydrants are visible and accessible.

Why this matters:

Proactively clearing snow and managing ice reduces liability exposure and helps ensure business continuity. Even minor icing can cause injury, property damage, or delayed operations, and addressing it early is one of the simplest ways to avoid unnecessary claims or disruptions.

See our Snow and Ice Removal Log to keep track of regular maintenance.

Prevent Water Damage and Frozen Pipes

Freezing temperatures and snowmelt are common sources of water damage. Even one burst pipe can cause major disruption.

Recommended steps:

• Schedule a roof inspection before winter begins.
  
  
• Remove snow piles from around the building foundation.
  
  
• Confirm that downspouts move water away from the building.
  
  
• Insulate exposed pipes in unheated or drafty areas.
  
  
• Maintain a minimum indoor temperature, especially in vacant areas.
  
  
• Shut off exterior water lines and winterize irrigation systems.
  
  
• Install leak detection or freeze monitoring devices.

Why this matters:

Addressing snow and ice hazards early helps prevent slips, falls, blocked access points and strain on the building structure. Consistent maintenance reduces liability risk and ensures your property remains safe and accessible.

Strengthen Operational Preparedness

Winter weather preparedness involves regular inspections and a clear action plan.

Consider the following:

• Conduct routine checks after storms or extreme cold.
  
  
• Service HVAC systems and verify thermostat function.
  
  
• Seal drafts and add weather-stripping where needed.
  
  
• Test smoke and carbon monoxide detectors.
  
  
• Keep a maintenance log for inspections and repairs.

Why this matters:

Proper insulation, temperature control, and drainage help prevent pipe bursts, flooding and long-term moisture damage. These steps support business continuity and reduce unexpected repair costs.

Leverage Smart Building Technology

Smart monitoring tools help detect and prevent problems early.

Helpful technology includes:

• Remote thermostats for temperature management.
  
  
• Cloud-based security cameras and access systems.
  
  
• Smart leak detection and freeze monitoring devices.

Why this matters:

Routine checks identify issues before they escalate and help ensure heating systems, alarms and insulation are working properly. Maintaining clear records supports proactive maintenance and insurance documentation.

Prepare for Emergencies

A proactive emergency plan helps limit losses and ensures safety.

Put these measures in place:

• Post clear evacuation maps and train employees.
  
  
• Ensure staff know how to shut off water, gas, and power.
  
  
• Test alarm and sprinkler systems to confirm they are working.
  
  
• Maintain an up-to-date emergency contact list.

Why this matters:

A defined emergency plan supports safety, minimizes confusion during unexpected events and helps reduce property damage while ensuring employees have access to essential information.

Protect Your Property and Your Business

Winter brings opportunities for businesses but also greater weather-related risks. With a thoughtful plan and consistent maintenance, commercial property owners can safeguard operations and create a safer environment for employees, tenants, and customers.

Scrivens advisors are here to help you review your coverage and prepare for the season ahead. Connect with us to ensure your commercial property insurance reflects your needs and supports your business throughout the winter.