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Risk Management Tips for Recreational and Seasonal Businesses in the Winter

Risk Management Tips for Recreational and Seasonal Businesses in the Winter

 As an insurance producer, you want to be a good partner for your clients and if you have clients who own or operate a winter-related business, then make sure they read these tips!

Winter brings a unique set of challenges for businesses operating in recreational and seasonal industries. Whether your client is running a ski resort, an ice-skating rink, a seasonal snowmobiling tour, or other winter-related business, it’s vital to prioritize safety and implement effective risk management strategies. In this blog post, we’ll explore some essential tips to help recreational and seasonal businesses navigate the winter season with confidence.

7 Risk Management Tips for Recreational and Seasonal Businesses in the Winter

  1. Conduct a Comprehensive Risk Assessment

Start by conducting a thorough risk assessment specific to the winter season. Identify potential hazards and risks associated with your particular business, such as slippery surfaces, extreme temperatures, or unpredictable weather conditions. Assess any potential impact these risks may have on the safety of both guests and employees. This assessment will serve as the foundation for developing targeted risk mitigation strategies.

  1. Develop a Winter Safety Plan

Based on the risk assessment, create a winter safety plan that outlines the specific precautions and measures your clients will undertake to address identified risks. This plan should include safety protocols for various activities, guidelines for equipment maintenance, and emergency response procedures. Ensure that all employees are trained on the safety plan and regularly review and update it as needed.

  1. Regularly Maintain Equipment and Facilities

Maintaining equipment and facilities is crucial for ensuring the safety of guests. Regularly inspect and maintain all winter sports equipment, such as ski gear or snowmobiles, to identify any potential issues that may compromise safety. Additionally, ensure that all facilities, including slopes, rinks, and trails, are regularly inspected and properly maintained to minimize hazards.

  1. Provide Adequate Training and Education

Proper training and education are essential for both employees and guests. Train employees on safety protocols and risk management procedures, emphasizing the importance of attention to safety in all aspects of the business’s operations. Provide guests with educational resources, such as signage, brochures, or online materials, that highlight safety guidelines, appropriate clothing recommendations, and instructions for emergency situations.

  1. Monitor Weather Conditions

Weather conditions can change rapidly during the winter season, impacting the safety of the business’s operations. Stay informed about weather forecasts and establish a clear protocol for monitoring and responding to changing conditions. Consider implementing procedures to communicate weather-related updates and advisories to both staff and guests, ensuring that everyone is aware of any potential risks or changes in plans.

  1. Communicate and Promote Safety Measures

Effective communication with both employees and guests is crucial to promote a culture of safety. Clearly communicate safety measures and protocols through various channels, such as website announcements, signage, and verbal instructions. Encourage guests to actively participate in their own safety by reminding them to adhere to guidelines and report any observed hazards promptly.

  1. Ensure Adequate Insurance Coverage

Despite all preventative measures, accidents can still happen. Protect the business by ensuring there is adequate insurance coverage specifically tailored to the risks associated with winter recreational activities. Consult with a trusted insurance provider, like Prime Insurance Company, to identify the most appropriate coverage options for your client’s business.


Managing risks and prioritizing safety is of paramount importance for recreational and seasonal businesses operating in the wintertime. By conducting a comprehensive risk assessment, developing a winter safety plan, maintaining equipment and facilities, providing training and education, monitoring weather conditions, communicating safety measures, and ensuring adequate insurance coverage, businesses can effectively mitigate risks and create a safe environment for both employees and guests.

At Prime Insurance Company, we understand the unique challenges faced by businesses operating in the winter recreational industry. We are committed to supporting your client’s risk management efforts and providing tailored insurance solutions. By implementing these risk management tips, your clients can confidently navigate the winter season and provide unforgettable experiences while ensuring the safety of everyone involved.

Head over to our Insurance for Winter Operations page to learn more or to request a quote!

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