Swinton Van

September 19, 2011 01:00 ET

UK Businesses Protect Properties Against Adverse Weather With Swinton Commercial

MANCHESTER, UNITED KINGDOM--(Marketwire - Sept. 19, 2011) - The strong winds brought on by hurricane Katia may be a thing of the past for UK residents, but for many business owners, Katia is still very much a reality. In light of recent reports of the damage caused to homes and properties by the strong winds, Swinton Commercial, a leading business insurance broker, is stressing the importance of having the right insurance policy to protect businesses.

Whether it's a seaside restaurant or a local newsagents, adverse weather conditions can have a detrimental effect on businesses. Swinton Commercial has a range of insurance policies to cover business owners such as shop insurance, which can include extra covers to protect against stock damage and business interruption, as well as property insurance, to cover owners against any damages to shop front.

In addition to having the right insurance policy, business owners can take simple precautionary measures to help protect their properties and livelihoods against adverse weather fronts.

Here are Swinton Commercial's top tips:

  • Ensure all staff are fully aware of the opening up and closing down procedures. Failure to lock up efficiently can result in thousands of pounds worth of damaged goods

  • If adverse weather is expected, shutters can be put up to protect windows against strong gales and sandbags can help to prevent mild flooding

  • Stockrooms should be organised to protect against flooding – put the most valuable/irreplaceable stock on high storage shelves

  • Avoid storing any stock, deeds and documents on the floor particularly in basements and ground floor locations

  • Back up important data on computers and take it home at night to avoid a book debts claim

  • Ensure that the premises has an IEE Certificate as storms can result in electrical fires and most insurance policies will require proof of the electrics being certified before they will pay out in the event of a claim.

Jolene Shaw, Technical Referral Advisor at Swinton Commercial said, "Many business owners don't think about how the weather can affect their business until it's too late. That's why it's so important to have the right insurance policy in place. Failure to do this could result in owners dipping into their savings or profits in order to pay for repairs. This has been known to cause significant damage to business profits, and in extreme cases resulted in bankruptcy."

About Swinton

  • Swinton Commercial is the dedicated commercial insurance division of the Swinton Group
  • Swinton Commercial was awarded Commercial Lines Broker of the Year 2008 and is a finalist at the British Insurer Awards 2009
  • With 603 branches nationwide Swinton is the UK's largest high street insurance retailer
  • Unlike many other companies in the financial services industry, Swinton is committed to keeping its branches open for business, and part of the community
  • Swinton provides a one-stop-shop for the insurance and related needs of its clients, offering home, car, caravan, business, holiday, motorbike and even classic car insurance
  • With a dedicated team of advisors on hand at every branch to search a panel of insurers to offer quality cover at competitive rates

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