The past month was the sixth wettest July since records began in 1836 - and the wettest ever even in Northern Ireland, the Met Office just recently reported. Especially the north of the UK has been hit hard – a stark contrast to the record temperature and heat waves we had in 2022. Nothing unusual, with the climate crisis being more urgent than ever – and surely not a one-time occurrence. Instead, it needs to be more present in people’s minds.
Construction businesses are thriving in the northeast but come with their very own challenges – the strong winds and the sudden downpours just being two of them. And if anything, the past month has shown, how important it is for a business to be prepared and provide the necessary protection for its operation.
Properly protect yourself and your business
For construction businesses, having access to reliable builder’s insurance, and specifically public liability insurance, plays a pivotal role in mitigating the risks posed by adverse weather conditions. Public liability insurance covers the costs associated with third-party property damage or bodily injury that occurs on a construction site. In the context of weather-related risks, this means that if a sudden storm damages neighbouring property or causes an accident involving a passerby, the insurance will help cover the legal and financial consequences. Rain is a common occurrence – as we all know – with frequent drizzles turning into heavy showers that can lead to flooding and water damage. Being close to the coast also comes with exposure to strong winds – that can not only damage structures significantly but also pose a huge safety hazard to workers.
Benefits of Insurance in Weather-Prone Areas
Adverse weather conditions can hugely impact projects and are a constant factor that needs to be calculated. Having secured protection and confidence that these risks can be mitigated, is a strategic move that ultimately contributes to the success and longevity of businesses.
Property Damage Covering
As mentioned above, builder’s insurance offers coverage for damages caused by adverse weather, such as heavy rain, flooding or windstorms causing structural damage. An important way to ensure, that the builders themselves aren’t financially burdened by the costs of repairs or replacements. Building resilience against its impact ensures the structure remains sturdy and functional despite challenging conditions – but not if extremer situations occur.
Project Delays
Weather-related delays are a common headache for builders. But by factoring those in, they can be planned and managed more effectively right from the get-go. This additionally allows for adjustments that minimise disruptions and facilitate smoother progress – leading to more predictable project completion times. And if things still go sideways, you’re protected regardless.
Worker Safety
Next to your property – of course, your employees are at risk, too. One of your biggest concerns and focuses should always be on safety in adverse weather conditions. Measures to ensure their safety, such as adequate shelter and protective equipment, are musts. Not only to give accident prevention a higher success rate but also to promote a positive and ethical work environment.
Third-Party Protection
Weather-related damage can easily extend beyond the construction site. Make sure that neighbouring properties are protected – and foster a positive relationship with the community at the same time, as well as your reputation within the whole local area.
Peace of Mind
Knowing that your business is covered against the unpredictable nature of weather – not only in the Northeast but wherever your projects take you, provides an incomparable peace of mind. Focus on your projects, without having to worry about financial setbacks, and create stability and resilience, you can rely on.