Summer Weather
July 14, 2025
Summer Weather
While summer brings longer days, improved staff morale, and often increased customer footfall, extreme heat can pose serious and often overlooked risks to businesses across all sectors. From employee health concerns to critical equipment failures and widespread supply chain disruptions, the hidden costs of heat waves can quickly escalate into significant financial losses.
The financial impact extends beyond immediate operational costs. Extended heat waves can disrupt supply chains as transport networks struggle with buckled rail lines, delayed flights, and vehicles breaking down on overheated roads. For businesses dependent on just-in-time delivery, these disruptions can halt operations entirely.
Many businesses discover too late that their standard insurance policies don't adequately cover heat-related losses.
Business interruption insurance might not extend to heat wave scenarios, and equipment breakdown cover may exclude temperature-related failures.
Stock spoilage, whether from cooling system failures or transport delays, requires specific coverage considerations.
Review your current policies with an experienced broker who understands climate-related risks.
Consider additional coverage for business interruption from infrastructure failures, expanded equipment breakdown protection, and enhanced stock coverage for temperature-sensitive goods.
The increasing frequency and intensity of heat waves make preparation essential rather than optional. Don't wait until the next heatwave hits to discover gaps in your protection. Start by reviewing your current risk management strategies and insurance coverage, then develop comprehensive heat wave response procedures
Climate change means these events will become more common and more severe. Businesses that prepare now will maintain their competitive advantage while others struggle with preventable losses.
At Bridges Insurance, we understand the evolving risks that businesses face in our changing climate. Our experienced team can help you assess your heat wave vulnerabilities and ensure your insurance coverage provides comprehensive protection when temperatures rise.
Ready to protect your business from heat wave risks?
Contact our team today at 01843 293614 or email enquiries@bridges.insure for expert guidance tailored to your specific needs.
