Snow and ice can create significant risks for property owners, potentially leading to liability claims and worker injuries. To help our valued clients navigate these hazards, we've compiled essential risk management strategies for effective snow and ice removal.
*Be sure to click on the PDF below for a comprehensive guide brought to you by Zywave.
The Importance of Snow and Ice Removal
Winter weather conditions pose serious threats to businesses, including:
- Increased risk of slip-and-fall accidents for employees, customers, and visitors
- Potential for property damage due to snow accumulation and ice formation
- Liability claims resulting from injuries on your premises
- Disruption of business operations
Developing a Snow and Ice Removal Plan
A well-structured plan is essential for effective risk management. Here are key components to consider:
Pre-storm Preparation
- Identify and prioritize areas requiring snow and ice removal
- Determine whether to handle removal in-house or hire a contractor
- Establish clear policies and procedures for snow and ice management
- Prepare necessary equipment and materials in advance
During and After the Storm
- Deploy resources promptly to clear priority areas
- Apply ice melt or sand to prevent slipping hazards
- Monitor weather conditions and adjust strategies as needed
- Communicate operational status and safety information to employees and customers
Choosing the Right Removal Methods
Selecting appropriate snow and ice removal techniques is crucial for efficiency and safety:
Snow Removal Options
- Shovels and snow pushers for small areas
- Snow blowers for larger surfaces
- Plows for extensive parking lots and driveways
Ice Removal Strategies
- Apply ice melt products, considering their effectiveness and environmental impact
- Use sand or cat litter for added traction
- Consider alternatives like calcium magnesium acetate for environmentally sensitive areas
Rooftop Snow and Ice Management
Don't overlook the importance of managing snow and ice on your roof:
- Remove snow to prevent structural damage and ice dam formation
- Exercise caution when removing rooftop snow to avoid injuries and property damage
- Consider professional assistance for safe and effective removal
Contractor Considerations
If opting for a third-party contractor, ensure they are:
- Reputable and experienced
- Properly insured with adequate coverage
- Able to provide proof of insurance
- Willing to name your business as an additional insured on their policy
Employee Safety
Protect your workers during snow and ice removal activities:
- Provide appropriate personal protective equipment
- Enforce regular breaks to prevent cold-related illnesses
- Train employees on safe snow and ice removal techniques
Liability Mitigation
To reduce potential liability claims:
- Document your snow and ice removal efforts
- Maintain clear communication with employees and visitors about potential hazards
- Regularly inspect your property for new or recurring ice formation
By implementing these risk management strategies, you can significantly reduce the likelihood of winter-related incidents and potential insurance claims. Remember, a proactive approach to snow and ice removal not only protects your business but also demonstrates your commitment to the safety of employees, customers, and visitors.
As your trusted insurance partner, we're here to help you navigate the challenges of winter weather. Don't hesitate to reach out if you have any questions about your coverage or need further guidance on risk management strategies.