As winter approaches, many charities, churches and community organisations are focused on Christmas events, increased outreach activities and supporting those most in need. However, colder weather also brings additional risks that can disrupt operations, damage property and create unexpected costs.
Taking time now to review potential winter hazards with Unity Insurance Services can help protect your organisation, your people and your resources throughout the season.
1. Frozen Pipes and Water Damage
One of the most common winter property issues is burst or frozen pipes. Buildings that are used less frequently during colder months, such as church halls, community centres and meeting spaces, can be particularly vulnerable.
A single burst pipe can lead to thousands of pounds worth of damage, disruption to activities and lengthy repairs.
Consider:
Maintaining minimum heating levels in vacant areas
Insulating exposed pipework
Carrying out regular building checks during cold spells
2. Slips, Trips and Falls
Snow, ice and wet conditions significantly increase the risk of accidents around your premises. Paths, car parks, entrances and outdoor gathering spaces all require attention during winter.
Organisations have a duty to take reasonable steps to keep visitors, staff and volunteers safe.
Consider:
Gritting pathways and entrances
Displaying warning signage where appropriate
Establishing a clear winter maintenance plan
3. Storm and Weather Damage
Strong winds and severe winter weather can cause damage to roofs, fencing, signage and outbuildings. With many organisations managing older buildings, regular inspections become especially important.
Consider:
Checking roofs, gutters and drainage systems
Removing loose branches near buildings
Securing outdoor furniture and equipment
4. Increased Security Risks
Darker evenings and holiday closures can create opportunities for theft, vandalism and malicious damage.
This is particularly relevant for organisations storing valuable equipment, technology, audio-visual systems or donations on-site.
Consider:
Testing alarms and security systems
Reviewing access procedures
Ensuring valuable items are stored securely
5. Seasonal Events and Additional Activities
Christmas services, festive gatherings, fundraising events and community outreach programmes often increase during winter months. While these events are a fantastic opportunity to engage with your community, they can also introduce additional risks.
Consider:
Reviewing risk assessments for seasonal activities
Checking that activities fall within your insurance arrangements
Ensuring appropriate procedures are in place for volunteers and attendees
Is Your Insurance Ready for Winter?
Winter can place additional pressure on charities and churches, but a little preparation can go a long way. Reviewing your insurance arrangements regularly helps ensure your organisation remains protected as circumstances change.
As a trusted CSC Buying Group supplier, Unity Insurance Services understands the unique needs of charities, churches and not-for-profit organisations. Their specialist team can help review your current arrangements and ensure your cover remains fit for purpose throughout the winter months.
Whether you're protecting buildings, supporting volunteers, hosting seasonal events or managing community outreach activities, now is an excellent time to review your organisation's insurance position before winter weather arrives.
CSC Buying Group members can also access exclusive benefits through Unity Insurance Services, helping you secure specialist cover while making your budget go further.
Find out more about Unity Insurance Services and the support available to CSC Buying Group members today. Contact the CSC Buying Group at buy@cscbg.org.uk