Business Safety -  Destructive Deep Freeze Dangers

Business Safety - Destructive Deep Freeze Dangers

| January 03, 2024

Dear valued clients,

As your trusted insurance partner, we want to help you protect your business from one of the most common and costly natural hazards: Deep freeze.

This is when temperatures drop below freezing for a prolonged period of time, causing water pipes and other equipment to burst and flood your premises.

You may think that deep freeze is only a problem for colder regions, but that's not the case. In fact, warmer areas are more vulnerable because they are less prepared and more likely to experience power outages and supply disruptions. The winter storm Elliott hit the U.S. in December 2022. It caused $5.4 billion in insured losses, and four of the five hardest-hit states were in the South.

Deep freeze can affect any type of business, from hospitals and libraries to factories and warehouses. It can damage your property, inventory, equipment, and data, as well as disrupt your operations and customer service. It can also pose health and safety risks for your employees and customers. That's why it's crucial to plan ahead and take preventive measures to reduce your exposure and mitigate the impact of a potential freeze event.

We have compiled some tips and best practices from one of our business insurance partners, Michigan Millers Insurance, for you to follow. This list is based on extensive experience and expertise in handling deep freeze claims. These include:

  • Prepare portable heaters.
  • Place thermometers in hard-to-heat areas.
  • Don’t shut down operations in unusually cold weather.
  • For areas with a freeze history, drain water from equipment or add antifreeze.
  • Ensure doors and windows are closed and insulation is intact.
  • Keep all areas of the building and equipment at 40 F (3C) or higher.
  • Secure a second fuel source for heating if one is interruptible.
  • Drain idle equipment, remove low points and dead ends.
  • Provide alarms for important piping systems.
  • Install windbreaks to protect outdoor equipment and instruments.
  • Remove snow as soon as possible from roofs, equipment, and roads.

By following these simple steps, you can significantly reduce your risk of suffering a costly and disruptive deep freeze loss. Of course, we are always here to support you and provide you with the best coverage and service possible. If you have any questions or concerns, please do not hesitate to contact us. We appreciate your business and wish you a safe and prosperous winter season.