Spring is a season of renewal, growth—and unexpected risks. As the snow melts and the flowers bloom, business owners often face unique challenges that come with the changing season. From unpredictable weather to increased foot traffic, spring can bring opportunities for growth but also potential pitfalls. The good news? With the right preparation and insurance coverage, you can ensure your business is ready to thrive. Learn how you can start preparing your business for spring:

1. Prepare for Spring Storms and Flooding

Spring showers may bring flowers, but they can also bring costly damage to your business. Heavy rains, melting snow, and severe storms can lead to flooding, roof damage, and power outages.

Example: A local retail store experienced significant water damage when a spring storm caused a nearby river to overflow. Without flood insurance, the owner had to cover repair costs and inventory losses out of pocket.

How Hertvik Insurance Group Can Help:

Commercial Property Insurance protects your building and equipment from storm damage.

Flood Insurance provides coverage for water damage caused by flooding, which is typically excluded from standard property policies.

Business Interruption Insurance ensures you’re covered for lost income if your business has to temporarily close for repairs.

2. Address Increased Liability Risks

Spring often brings more customers through your doors, whether it’s due to warmer weather or seasonal promotions. With increased foot traffic comes a higher risk of accidents, such as slips and falls.

Example: A café owner faced a lawsuit after a customer slipped on a wet floor during a rainy spring day. The legal fees and medical costs could have been devastating without liability coverage.

How Hertvik Insurance Group Can Help:

General Liability Insurance covers third-party claims for bodily injury and property damage, protecting your business from costly lawsuits.

Workers’ Compensation Insurance ensures your employees are covered if they’re injured on the job, especially during busy springtime operations.

3. Protect Against Seasonal Pests and Maintenance Issues

As temperatures rise, pests like rodents and insects become more active, potentially causing damage to your property or inventory. Additionally, spring is the perfect time to address maintenance issues that may have developed over the winter, such as roof leaks or HVAC problems.

Example: A small warehouse discovered a rodent infestation in the spring that damaged stored goods and required costly extermination services.

How Hertvik Insurance Group Can Help:

Commercial Property Insurance can cover damage caused by pests or maintenance-related issues, depending on the policy.

We can also help you identify risk management strategies to prevent these issues from occurring in the first place.

Spring Into Action Today

Don’t let seasonal risks catch your business off guard. Contact Hertvik Insurance Group today to schedule a consultation with one of our commercial insurance specialists. Together, we’ll create a customized insurance plan that ensures your business is ready to bloom this spring—and beyond.