As the days shorten and the colder months approach, business owners and managers must prepare for the risks that winter and autumn weather can bring.
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Adapting to the Seasonal Shift: Risk Management for Autumn and Winter

As autumn gives way to winter, weather conditions like heavy rainfall, freezing temperatures, snow, and icy conditions can place strain on your business. These seasonal challenges can damage infrastructure, disrupt operations, and increase safety risks for everyone on the premises. A proactive, preventative approach to weather-related risks is essential for maintaining both the safety and smooth functioning of your business.

How to Strengthen Your Business Against the Cold Weather Threats

Effective risk management starts with preparation. By identifying and addressing potential hazards in advance, you can safeguard your business and reduce the chance of costly disruptions or claims.

Autumn and winter weather can create multiple hazards, including:

  • Slips, Trips, and Falls: Wet and icy conditions increase the likelihood of accidents, particularly in outdoor areas such as car parks, ramps, and walkways. The risk is further heightened by the darker, shorter days, which reduce visibility.
  • Freezing Temperatures: As temperatures drop, snowy and icy conditions can create health and safety concerns, such as slips, and damage infrastructure like pipes and roofs.

Did you know… Slips, trips and falls account for over 30% of all non-fatal injuries to employees in Great Britain1.

Prepare Your Business for Winter Weather Risks

Here are several steps you can take to reduce hazards and ensure business continuity.

Outdoor Risk Mitigation:

  • Lighting: Shorter daylight hours mean better lighting is needed for outdoor spaces like car parks and pathways. Ensure lights are functioning correctly, and consider upgrading to energy-efficient, motion-sensor lighting.
  • Heating Solutions: Outdoor heating can make a big difference for employees and visitors in cold weather. Installing heaters in outdoor seating or waiting areas can improve comfort and encourage people to stay longer.
  • Roof and Gutters: Regularly clear leaves and snow from your roof and gutters to avoid blockages that could lead to water damage or roof collapse. Ensure there are no loose tiles or leaks that could become slip hazards.
  • Pipe Insulation: Insulating water pipes is critical for preventing them from freezing. Frozen pipes are a common issue during winter and thawing them can create a risk of flooding.
  • Flood Defences: Heavy rain can lead to flooding, so ensure your premises are equipped with sandbags or flood barriers. These can be deployed quickly to mitigate water damage.
  • Walkway Maintenance: Keep paths clear of fallen leaves, snow, and ice to reduce the risk of slips and falls. Anti-slip coatings and grit salt can also improve traction on walkways.
  • Fencing and Signage: Check the stability of fences and other outdoor structures and reinforce them if necessary. Clearly visible signage should direct people to safe walking paths, exits, and emergency routes.

Indoor Risk Mitigation:

  • Maintain Safe Temperatures: The HSE recommends that workplaces be kept at a minimum of 16°C. While there's no legal minimum2, maintaining a comfortable indoor temperature is critical for employee wellbeing and productivity.
  • Heating Systems: Ensure all heating systems, including radiators and boilers, are in good working order. Have them inspected regularly to prevent malfunctions, especially when temperatures drop.
  • Ventilation: Proper air circulation is essential, even in colder months. Adequate ventilation helps maintain air quality and reduces the risk of respiratory issues. Balance heating with sufficient airflow.
  • Power Outages: Cold weather can lead to power disruptions. Test your emergency lighting and ensure exit signs are illuminated in the event of an outage.
  • Floor Inspections: Place mats at entrances to absorb moisture from wet shoes and prevent water and dirt from being tracked inside. This simple measure can reduce the risk of slips.
  • Fire Safety: Ensure all fire safety equipment, such as extinguishers, alarms, and sprinklers, are operational. Conduct fire drills regularly and ensure that staff are familiar with emergency procedures.
  • Emergency Supplies: Stock up on essential items like blankets, bottled water, and non-perishable food in case of severe weather disruptions.

Final Thoughts: Stay Ahead of the Winter Challenges

The colder months pose various risks to business operations, but with proactive planning, these challenges can be mitigated. By preparing your premises and staff now, you can protect your business against winter-related disruptions, reduce liability claims, and maintain a safer environment for both employees and customers. This proactive approach will ensure business continuity and strengthen your operation through the harshest months of the year.

Get in Touch

To discuss how we can assist you in strengthening your business' risk management strategies, or if you need help with your health and safety preparations, don’t hesitate to contact our friendly team. Call us today at 0800 138 7538.


Sources

1. "Statistics – Non-fatal injuries at work in Great Britain," Health and Safety Executive, UK Gov., accessed 7 November 2024.

2. "Temperature in the workplace: Is it too cold or hot to work?" Health and Safety Executive, UK Gov., accessed 7 November 2024.


Disclaimer

The sole purpose of this article is to provide guidance on the issues covered. This article is not intended to give legal advice, and, accordingly, it should not be relied upon. It should not be regarded as a comprehensive statement of the law and/or market practice in this area. We make no claims as to the completeness or accuracy of the information contained herein or in the links which were live at the date of publication. You should not act upon (or should refrain from acting upon) information in this publication without first seeking specific legal and/or specialist advice. Arthur J. Gallagher Insurance Brokers Limited accepts no liability for any inaccuracy, omission or mistake in this publication, nor will we be responsible for any loss which may be suffered as a result of any person relying on the information contained herein.