When an ice storm rolls through Ontario, it doesn’t just slow traffic and close schools. For business owners, it can mean power outages, roof damage, fallen trees, and unexpected downtime. If you own or operate a business, it’s natural to wonder: Does insurance cover damage from an ice storm?
The answer often depends on the type of coverage you have and how prepared you are before winter weather arrives. Here’s what Ontario business owners should know about commercial insurance and ice storm damage.
Why ice storms are a serious risk for Ontario businesses
Ice storms are a familiar winter threat across Ontario, especially in rural and small-town communities. Heavy ice buildup can strain buildings and create hazards that last long after the storm passes.
Common ice storm risks include:
- Roof damage from ice accumulation
- Broken windows or doors
- Collapsed awnings or signage
- Fallen trees damaging buildings or equipment
- Power outages that interrupt operations
- Slips and falls on icy walkways
These events can impact your property, your income, and your ability to serve customers.
How business property insurance typically responds
Business property insurance (sometimes called buildings insurance) is designed to help protect your physical assets when unexpected events cause damage.
In many cases, storm damage from ice, snow, or freezing rain is covered, provided it’s not excluded in your policy.
This may include damage to:
- Your building structure
- Permanent fixtures like wiring, plumbing, and heating systems
- Outdoor features such as signs or fences (depending on your policy)
- Business equipment and contents inside the building
Ice storms are generally considered a type of severe weather, which is often covered under standard business property insurance. However, coverage details can vary.
What may not be covered after an ice storm
While many ice-related losses are covered, there are situations where coverage may be limited or denied. Understanding these ahead of time can help you avoid surprises.
Common exclusions or limitations may include:
- Wear and tear or poor maintenance: Damage caused by long-term neglect, like an already weakened roof, may not be covered.
- Gradual water infiltration: Slow leaks caused by ice dams or melting snow over time may fall outside standard coverage.
- Uninsured property or additions: Buildings, equipment, or upgrades not listed on your policy may not be fully protected.
- Extended power outages: Some losses related to power failure may require specific endorsements.
Business interruption: an often overlooked concern
Ice storms don’t just damage buildings. They can shut your business down for days or even weeks. If your business can’t operate due to insured storm damage, business interruption coverage may help with:
- Lost income
- Ongoing expenses like rent or payroll
- Temporary relocation costs
Without this coverage, even short closures can create financial strain, especially for small businesses.
Planning ahead can help
Ice storms are unpredictable, but your preparation doesn’t have to be. Understanding how your insurance responds to storm damage can make a stressful situation much easier to manage when winter weather hits.
If you’d like help reviewing your building’s insurance or business property insurance, speak with a Grenville Mutual Broker or Agent. We’re here to offer clear guidance, local understanding, and support that puts your business first.
