Risk Control
Winter loss prevention
Risk Control
© MIKHAIL / stock.adobe.com

Every winter, millions of pounds worth of damage is done, both domestically and commercially, through frozen and burst pipes.

Whilst a frozen or burst pipe in the home may be inconvenient and costly, a burst pipe could potentially cause irreparable damage to your business. The true cost of water damage in the work place is not always immediately obvious. The initial consequence of a burst pipe will be damage to stock, electrical equipment and machinery. Direct costs will be incurred for plumbing repairs, clean-up and salvage activities, but beyond that, you may also suffer a loss of client confidence through late deliveries and you may even permanently lose clients to competitors.

There are, however, several cost-effective, simple and quick steps that can be taken to avoid such risks:

  • Ensure that all stock is clear of the floor by at least 100mm and not touching the roof or side walls of the building.
  • Familiarise yourself and your staff with the location of your stop-cock and ensure that everyone knows how to turn it off in an emergency.
  • Identify possible ‘freezing risk points’ in your system, these include areas where it is particularly draughty.
  • Fully lag all pipes, especially those in exposed or unheated areas, and ensure that insulation is replaced as soon as it starts to show wear and tear.
  • Insulate water tanks on all sides, but not underneath – this will allow warm air to circulate.
  • If you are not operating over weekends or are having an extended Christmas break, it may be worth leaving the heating on low.
  • If you have outside taps, isolate and drain them if they are not going to be used.
  • Regularly run taps that are served from exposed pipe work.
  • If your building is fitted with sprinklers, seek professional advice from the installation or maintenance company.

Other Factors to Consider

As winter approaches, you should always make sure that your general maintenance is kept up to date, for example:

  • Making sure that gutters and drainage systems are inspected and cleared of any obstructions, leaves or other debris.
  • Taking care to ensure that combustible materials are kept a safe distance away from heaters.

Contact us

Businesses who want to learn more about the surveys, risk assessments, training and advice that we can provide should contact their insurance broker.

For more information, brokers can contact our risk control team or your local contact.

Disclaimer

The information provided in this content is intended for UK insurance brokers acting on behalf of their prospective or existing clients.

Any description is for general information purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any product. Policyholders who have questions or wish to arrange or amend cover should contact their insurance broker. Insurance brokers can find details of how to contact us here.

Any descriptions of coverage contained are meant to be general in nature and do not include nor are intended to include all of the actual terms, benefits, and limitations found in an insurance policy. The terms of any specific policy will instead govern that policy. Any guidance for UK insurance brokers is intended to provide general information only, and should not be used as a substitute for legal advice.

Ian Allman
Ian Allman
Risk Control Manager
Munich Re Specialty - Global Markets, UK

Related Solutions

    alt txt

    properties.trackTitle

    properties.trackSubtitle

    0:00
    0:00