Product Family


Winter weather events can be anything from a nuisance to a nightmare for contractors. Whether they bring snow, ice, rain, the dreaded wintry mix, high winds or just extremely cold temperatures, construction jobsites have a unique set of risk exposures when winter weather hits.

Even a relatively mild winter weather event brings the potential for significant losses for contractors. A burst pipe on an upper floor in the course of construction can cause a great deal of damage and, of course, project delays.

But with a modicum of planning and preparation, contractors can dramatically lessen the potential for loss on their job sites. To help, AXA XL’s Inland Marine team has developed a severe storm preparedness guide for construction projects.

Before the Snow Flies

Pre-season planning before winter storm season is the most important thing contractors can do to prevent losses. Bringing a team together to evaluate winter weather risks project-by-project and create action plans long before the cooler temperatures arrive will put you in a better position to react. A critical piece of this prep work is examining specific exposures for each project or class of projects. Then develop a detailed response plan that can be rolled out as soon as the weather threatens.

Brace Yourself

When everyone starts stocking up on milk, bread and eggs, there are specific actions contractors will need to take to prepare their property and project sites for when the storm does hit. As the storm’s arrival nears, contractors need to be ready to put their plan into action inspecting sites, securing materials and making ready for clean-up, such as snow removal.

When the storm hits, contractors need to carefully monitor sites to make sure their preparations are working as planned and adjust as needed on the fly. Once the severe weather clears out and they determine the site is safe they can start the process of inspecting and cleaning up and notifying your carrier and/or broker of any losses.

We’re Here to Help

Just like that awesome neighbor with the snowblower who clears everyone’s sidewalk, AXA XL’s North America Construction and Inland Marine teams are ready to help you deal with winter weather. We teamed up on the creation of our Severe storm preparedness guide for construction projects to offer guidance to contractors on their winter preparedness planning.

To learn more about risk management solutions for the construction industry, and enlist more of our help, visit our Construction Risk Engineering site. Learn more about our available Inland Marine’s Property and Builder’s Risk insurance products and the complete coverage solutions offered by our North America Construction business, which are helping contractors protect their people, property and profitability.

Download our severe storm preparedness guide for construction projects here.

To contact the author of this story, please complete the below form

Invalid First Name
Invalid Last Name
Country is required
Invalid email
Invalid Captcha

Global Asset Protection Services, LLC, and its affiliates (“AXA XL Risk Consulting”) provides risk assessment reports and other loss prevention services, as requested. This document shall not be construed as indicating the existence or availability under any policy of coverage for any particular type of loss or damage. AXA XL Risk. We specifically disclaim any warranty or representation that compliance with any advice or recommendation in any publication will make a facility or operation safe or healthful, or put it in compliance with any standard, code, law, rule or regulation. Save where expressly agreed in writing, AXA XL Risk Consulting and its related and affiliated companies disclaim all liability for loss or damage suffered by any party arising out of or in connection with this publication, including indirect or consequential loss or damage, howsoever arising. Any party who chooses to rely in any way on the contents of this document does so at their own risk.

US- and Canada-Issued Insurance Policies

In the US, the AXA XL insurance companies are: AXA Insurance Company, Catlin Insurance Company, Inc., Greenwich Insurance Company, Indian Harbor Insurance Company, XL Insurance America, Inc., XL Specialty Insurance Company and T.H.E. Insurance Company. In Canada, coverages are underwritten by XL Specialty Insurance Company - Canadian Branch and AXA Insurance Company - Canadian branch. Coverages may also be underwritten by Lloyd’s Syndicate #2003. Coverages underwritten by Lloyd’s Syndicate #2003 are placed on behalf of the member of Syndicate #2003 by Catlin Canada Inc. Lloyd’s ratings are independent of AXA XL.
US domiciled insurance policies can be written by the following AXA XL surplus lines insurers: XL Catlin Insurance Company UK Limited, Syndicates managed by Catlin Underwriting Agencies Limited and Indian Harbor Insurance Company. Enquires from US residents should be directed to a local insurance agent or broker permitted to write business in the relevant state.