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Brady, Chapman, Holland & Associates
 

When it's Important to Stay in the Know.

 
 

Staying Ahead of Winter Weather Risks

 

Cold conditions create challenges for businesses of all sizes, from increased liability exposures to operational disruptions that impact employees and customers alike. Safeguarding operations before severe weather arrives can help keep your people protected and work moving forward unimpeded.

Here, BCH outlines tips to help you navigate the season with confidence — while fostering a safer, smarter overall work environment. It’s all about helping you remain prepared when it matters.

 
 

Reduce Liability Risks Before Winter Weather Moves in

 

Here are some key considerations for limiting liability and protecting people both on and off your property.

 
 
 

Prevent Slips and Falls: Keep sidewalks, entryways and high-traffic areas clear of snow, ice and moisture. Use salt or ice melt where appropriate, place slip-resistant mats at entrances and provide umbrella storage to reduce tracked-in water.

 
 

Address Falling Object Risks: Heavy ice and snow can loosen tree branches, signage or building fixtures. Remove icicles, clear snow accumulation near entrances and monitor landscaping before and after storms.

 
 

Protect Employees on the Road: Winterize company vehicles, keep them well maintained and stock emergency supplies. Establish safe driving policies, encourage appropriate winter attire and offer flexible schedules to support safer commutes.

 
 

Use Visible Safety Warnings: Post wet floor signs, closure notices and hazard alerts in high-traffic areas so employees, clients and visitors know when to proceed with caution.

 
 
 
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Not Every Cold-Weather Concern is Obvious

 

Slip and fall risks are just the start of potential issues that impact businesses this time of year. Our Risk Insights Information Sheet covers often-overlooked factors to consider, such as employee pay during weather-related closures and concerns related to company vehicles.

 
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What’s in the Forecast This Winter?

 

Early 2026 is expected to bring a mix of winter conditions as La Niña gradually gives way to more neutral climate patterns. La Niña — a weather phenomenon linked to cooler Pacific Ocean temperatures — will likely influence much of the season, increasing the potential for cooler temperatures and storms. Experts anticipate those effects will weaken as spring nears.

 
 

Source: National Weather Service

 
 
 

BCH’s Risk Management Center (RMC) Offers All-Weather Operational Support

 

From winter safety resources to benefits and compliance tools, BCH’s Risk Management Center (RMC) helps businesses address seasonal risks before they escalate. Access training, safety guidance and streamlined benefits administration tools designed to support your team at every stage.

 
VISIT THE RMC
 
 
 

Have Additional Questions?

CONTACT BCH
 
 

RISK MANAGEMENT  |  BUSINESS INSURANCE  |  EMPLOYEE BENEFITS
713.688.1500  |  bch-insurance.com 

 
 
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Brady, Chapman, Holland & Associates
10055 West Gulf Bank
Houston, Texas 77040

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