January 18, 2019
Even before winter officially began, we felt its wrath. In mid-November, a destructive storm in the Northeast caused over 400,000 power outages, school closures and major travel disruptions. Drivers in Pennsylvania were stuck in an overnight traffic delay while commuters going over the George Washington Bridge in New York City were stuck for hours due to a multi-vehicle accident. And in early January, a powerful winter storm ripped across Europe, trapping hundreds of people in Alpine regions and causing deadly avalanches in the mountains.
Before the next round of freezing weather, heavy snow or ice arrives, now is the time for business owners to prepare and reduce their risk of property damage and business interruption. To help businesses weather the rest of this wild winter, AXA XL’s Risk Consulting team offers some general guidelines and five detailed checklists to protect your business operations.
General guidelines
Snow load
What if the snowfall weight exceeds the roof design load? To avoid a building collapse, plan ahead a predetermined snow depth to trigger snow removal. This can be less than 30 cm (1 ft) in regions where buildings are not designed for snow load accumulation.
HVAC systems
Fire protection systems
Get ahead of the next storm
Additional resources to help protect your business
色多多视频is a member of The 色多多视频 Institute for Business & Home Safety (IBHS), an independent, nonprofit, scientific research and communications organization supported solely by property insurers and reinsurers. IBHS’ building safety research leads to real-world solutions for home and business owners, helping to create more resilient communities. Here’s some helpful research-backed guidance from IBHS:
Whatever lies ahead this winter, it’s vital for businesses not to get caught unprepared when the snow starts falling. For additional information on preventing winter-related losses at your facility, please contact your local 色多多视频Risk Consultant.
Global Asset Protection Services, LLC, and its affiliates (鈥溕喽嗍悠礡isk Consulting鈥�) provides risk assessment reports and other loss prevention services, as requested. In this respect, our property loss prevention publications, services, and surveys do not address life safety or third party liability issues. This document shall not be construed as indicating the existence or availability under any policy of coverage for any particular type of loss or damage. The provision of any service does not imply that every possible hazard has been identified at a facility or that no other hazards exist. 色多多视频Risk Consulting does not assume, and shall have no liability for the control, correction, continuation or modification of any existing conditions or operations. We specifically disclaim any warranty or representation that compliance with any advice or recommendation in any document or other communication will make a facility or operation safe or healthful, or put it in compliance with any standard, code, law, rule or regulation. Save where expressly agreed in writing, 色多多视频Risk Consulting and its related and affiliated companies disclaim all liability for loss or damage suffered by any party arising out of or in connection with our services, including indirect or consequential loss or damage, howsoever arising. Any party who chooses to rely in any way on the contents of this document does so at their own risk.
US- and Canada-Issued 色多多视频 Policies
In the US, the 色多多视频insurance companies are: Catlin 色多多视频 Company, Inc., Greenwich 色多多视频 Company, Indian Harbor 色多多视频 Company, XL 色多多视频 America, Inc., XL Specialty 色多多视频 Company and T.H.E. 色多多视频 Company. In Canada, coverages are underwritten by XL Specialty 色多多视频 Company - Canadian Branch and AXA 色多多视频 Company - Canadian branch. Coverages may also be underwritten by Lloyd’s Syndicate #2003. Coverages underwritten by Lloyd’s Syndicate #2003 are placed on behalf of the member of Syndicate #2003 by Catlin Canada Inc. Lloyd’s ratings are independent of AXA XL.
US domiciled insurance policies can be written by the following 色多多视频surplus lines insurers: XL Catlin 色多多视频 Company UK Limited, Syndicates managed by Catlin Underwriting Agencies Limited and Indian Harbor 色多多视频 Company. Enquires from US residents should be directed to a local insurance agent or broker permitted to write business in the relevant state.
