Oregon business owners, let’s talk winter. Rain, wind, ice, and power outages can throw a wrench in your day, but the right insurance coverage can keep things running smoothly. Here’s what you need to know before the next storm rolls in.

Business Interruption Insurance: Your Backup Plan

A major storm knocks out power, your shop closes for days, and suddenly, you’re losing income. Business interruption insurance helps cover lost revenue and operating costs when unexpected closures hit. If your business relies on being open, this coverage is a lifesaver.

Property Damage: Is Your Building Ready?

Heavy rain can mean roof leaks, flooding, or structural damage. Wind can send signs flying, and ice can turn sidewalks into slip-and-fall hazards. A commercial property policy covers damage to your building, equipment, and inventory caused by winter weather.

Liability Coverage: Watch Out for Slippery Sidewalks

If a customer takes a tumble outside your storefront because of ice, general liability insurance helps cover medical costs and legal fees. Pro tip: Keep salt or de-icer handy, because prevention is always better than a claim.

Winter Storm Prep for Business Owners

• Review your business interruption and property coverage before winter hits.

• Inspect your roof and drainage systems before they become a problem.

• Keep your sidewalks and entryways safe for customers and employees.

Winter storms are unpredictable, but your coverage shouldn’t be. Need help making sure your business is storm-proof? Let’s chat! Office Phone: 971-303-3411