6
A
re you ready for winter? Winter got an early start for
the 2018-19 season as some parts of the country had
one of the snowiest Novembers on record. No season
presents hazards like winter does, and it requires you to
be on your toes when even the slightest snow or ice is in
the forecast.
The change of seasons is always a good time to ensure
policies for customer safety are up to date and that your
staff is aware of related procedures and changes.
The Monument Sports Group, USIndoor's exclusive
provider of general liability insurance, wants to help you
minimize your risk and always be prepared.
Cold Weather Risks
Snow and Ice Contractors.
Rental
agreements aren't just for youth clubs and birthday
parties! Someone else is coming onto your property
for business purposes, so have a rental agreement
with your contractors before they get to work. This
includes during the winter. The contract should spell
out the terms of removal, including what is their
responsibility and what is yours. For example, is the
contractor just responsible for plowing and salting,
or are they responsible for more?
Let the contractor do 100% of the work! Trying to
get a head start on your own can create a gray area
and cause confusion if you have to file an insurance
claim.
Keep a log. The snow and ice removal log
should include dates, times and services performed.
Note, too, the weather conditions and who is
performing the service. If your contractors don't
RISK MANAGEMENT:
5 THINGS TO DO NOW
by Zach Morgan and Michael Horn
