Winter Weather Preparedness Checklist for your Business

Updated:
December 3, 2020

Severe winter weather can lead to property damage, employee illness or injury, and possible business closures. Looking for ways to prepare your home? Read our Prepare Your Home For Winter Checklist

The following winter weather preparedness checklist will help you identify the areas of your business that are most susceptible to winter hazards. To minimize damage and recover quicker following severe winter weather, it is a good idea to develop a plan of action for your business and staff.

Below you will find critical information and winter weather preparedness tools to assist in protecting your business and the most critical element of your business - your people.

Prepare Your Business BEFORE Severe Winter Weather

  • Check your insurance coverage for protection against winter hazards.
  • Ensure you have an emergency communication plan in place prior to the storm.
  • Have all employees, vendors, and client contact information on hand.
  • Check your procedure for restoring electrical services on an item-by-item basis.
  • Establish a procedure for relocating salvageable and undamaged stock and supplies.
  • Add the following supplies to your disaster supplies kit: rock salt (to melt ice on driveways), sand (to improve traction), and snow shovels (or other snow removal equipment).
  • Determine your greatest risk potential: loss of heat, frozen pipes, and/or loss of access due to snow/ice.
  • Identify who is responsible for keeping heating equipment in good working order: business owner or landlord.
  • Determine what equipment needs to be protected from freeze-up, i.e. computers, telecommunications, manufacturing equipment, etc.
  • Are portable heaters or other emergency equipment needed?
  • If snow and/or ice prohibit access to your business, are there alternative ways to enter your premises?
  • Seal all opening with caulking and insulation where cold air can enter.
  • Repair walls and roofs to prevent drafts; inspect roof drains for debris.
  • Make sure storm windows are effective, if appropriate.
  • Make sure heating and heat-producing process equipment is in good condition and operating efficiently.
  • Arrange for snow removal from driveways, doorways, and roofs.
  • Can your employees work from home? Establish a plan for days in which employees are unable to come into work.
  • Drain all idle pumps and compressors, making sure jackets are vented.
  • Provide proper lubrication for cold weather operation (i.e., emergency generators, snow blowers).
  • Test cold weather equipment.
  • Clean and inspect boilers and firing mechanism/controls.
  • Make sure your Uninterrupted Power Source (UPS) is in place to protect equipment from a power surge.
  • Maintain automatic sprinkler protection in idle buildings; promptly handle sprinkler system impairments; notify local fire department.
  • Monitor building temperature especially in hard-to-heat areas containing vulnerable equipment. Keep temperatures above 5C.
  • Mark hydrants near your business for ease in locating and clearing after a heavy storm.
  • Remove large amounts of snow from your building's roof to prevent the roof from collapsing.
READ: Tips to Manage Winter Weather Risks in the Workplace

What to do DURING Severe Winter Weather

  • Listen to local news and weather channels for situation developments and road closures.
  • Keep all employees posted on the status of the storm and next steps.
  • Locate heaters, snow blowers, generators, and cold-weather equipment should it be needed.
  • Keep driveways, walkways, and doorways clear of snow and ice.
  • Open water faucets slightly to let them drip in order to keep water flowing through the pipes that are vulnerable to freezing. Ice may still form, but the open faucet helps prevent the pipe from bursting by allowing relief for any built up pressure.
  • During evacuation, consider your phone lines - redirection to cell phones, answering service, Google Voice, or other lines could be critical.
  • Keep names and phone numbers of your heating contractor, plumber, fire department, insurance broker, disaster recovery provider and building owner easily accessible.
  • Assign someone to check indoor temperatures should your place of business be vacant for long periods of time.

What you should do AFTER Severe Winter Weather

  • Make sure your employees are fully briefed and informed about any transport diversions or time changes.
  • Based on damage, notify all critical people of next steps.
  • Clear away snow safely to prevent flooding and icing.
  • Assess the situation. Make sure heating systems and water pipes are working.
  • Check buildings for damage (e.g., downed power lines or trees, accumulated snow or ice).

Severe winter weather may range from a moderate snow in a short amount of time to a blizzard lasting for days. Some storms are regional and may affect several provinces, while others are more localized, depending upon geography and terrain. Common characteristics of winter storms are dangerously low temperatures, strong winds, ice, sleet, and freezing rain.

Know the Terms

Winter storm watch - be alert, a storm is likely

Winter storm warning - take action, the storm is in or entering the area

Blizzard warning - snow and strong winds combined will produce blinding snow, near zero visibility, deep drifts, and life-threatening wind chill - seek refuge immediately!

Winter weather advisory - winter weather conditions are expected to cause significant inconveniences and may be hazardous, especially to motorists

Frost/freeze warning - below freezing temperatures are expected and may cause damage to plants, crops, or fruit trees

Too often, organizations overlook the potential danger of winter weather. Not only can snow and ice create slipping and other hazards for your employees, but they can lead to major property damage as well. In order to properly prepare for the winter season, organizations must take a proactive approach to managing severe weather risks.

FAQs

What is financial advising?

Financial advising involves providing guidance and advice to individuals, families, or businesses to help them make informed decisions about their financial matters. This can include various aspects such as investment planning, retirement planning, tax planning, estate planning, and more. Financial advisors analyze their clients' financial situations, goals, and risk tolerance to create customized strategies that align with their objectives.

Why is financial planning important?

Financial planning is crucial for several reasons:

Goal Achievement: It helps individuals set and achieve financial goals, whether they are short-term, such as buying a home, or long-term, like funding a comfortable retirement.

Risk Management: Financial planning addresses risks by considering insurance, emergency funds, and other protective measures.

Budgeting and Saving: It promotes responsible money management through budgeting and saving, fostering financial stability.

Wealth Building: Effective financial planning can lead to wealth accumulation and the creation of a secure financial future.

Can financial advisors help with debt?

Yes, financial advisors can help with debt management. They can assess your overall financial situation, create a budget, and develop strategies to pay down debt efficiently. They may also negotiate with creditors on your behalf, provide debt consolidation recommendations, and offer guidance on prioritizing and managing debt repayment.

What exactly does a financial advisor do?

The specific responsibilities of a financial advisor can vary, but generally, they:

  1. Conduct a thorough analysis of a client's financial situation, including income, expenses, assets, and liabilities.
  2. Develop personalized financial plans based on the client's goals, risk tolerance, and time horizon.
  3. Provide investment advice and portfolio management services.
  4. Offer guidance on retirement planning, estate planning, tax planning, and insurance.
  5. Monitor and adjust financial plans as needed based on changes in the client's life or market conditions.
  6. Educate clients on financial matters and empower them to make informed decisions.
What is the average fee for a financial advisor?

The fees charged by financial advisors can vary widely based on factors such as the advisor's experience, the services provided, and the region.

Common fee structures include:

Hourly Fees: Advisors charge an hourly rate for their services.
Flat or Fixed Fees: A set fee is charged for specific services or a comprehensive financial plan.
Asset-based Fees: Fees are a percentage of the assets under management (AUM).
Commission-based Fees: Advisors earn commissions on financial products they sell.
Combination of Fees: Advisors may use a combination of the above fee structures.

It's important to discuss and clarify fee arrangements with a potential financial advisor before engaging in their services.