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Preparing Your Business for Winter Power Outages

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Winter storms can arrive quickly in the Northeast, bringing heavy snow, ice, and freezing temperatures. For many business owners, this can mean unexpected power outages that interrupt operations, damage critical equipment, and lead to costly downtime.

Here are several ways your business can prepare—and how the right insurance can help protect you before and after an outage.

1. Protect Electrical Equipment and Technology

A sudden outage or power surge can damage servers, POS systems, machinery, and refrigeration units. Consider:

  • Surge protectors for all major equipment
  • Backup power for servers
  • Regular maintenance for older electrical systems
  • Temperature monitoring for refrigeration units

When equipment is damaged due to a covered peril, Commercial Property or Inland Marine coverage can help fund repairs or replacement.

2. Invest in a Backup Generator

For many businesses—restaurants, medical offices, retail shops, and warehouses—a generator is a lifeline.
Tips:

  • Test it monthly
  • Keep fuel stored safely
  • Ensure electrical panels are compatible
  • Train staff on startup and shutdown procedures

A generator can keep essential systems running and prevent major losses.

3. Document Storm-Related Losses

If you experience a winter outage:

  • Take clear photos of any damage
  • Keep inventory and equipment loss lists
  • Save receipts for remediation, repairs, and temporary equipment
  • Contact your agent or carrier immediately

Proper documentation speeds up the claims process and ensures you receive the support you need.

Winter storms are unpredictable, but your business can be ready. Reviewing your coverages now—before temperatures drop—helps ensure you’re protected financially and operationally all season long.