As February comes to an end across Michigan, businesses begin preparing for the increase in foot traffic that typically arrives in early spring. At Shield Insurance Agency, we see this seasonal shift bring a higher number of visitors, deliveries, and outdoor interactions. With melting snow during the day and refreezing at night, businesses face an uptick in slip‑and‑fall exposures and walkway hazards. This makes late February an important time to review commercial liability coverage.
How Melt‑and‑Refreeze Patterns Raise Liability Risks
Michigan’s freeze‑thaw cycle can create unpredictable patches of ice outside storefronts, office buildings, warehouses, and service locations. Even well‑maintained walkways can refreeze by early morning or late evening. If a customer, vendor, or delivery driver is injured on the property, liability coverage plays a critical role. Our team at Shield Insurance Agency helps businesses confirm that their policy limits align with the increased risk this time of year.
Preparing for Spring Customer Activity
As the weather improves, more customers return to shops, restaurants, and local service providers. Parking lots, entrances, and high‑traffic areas see heavier use. Businesses should ensure their liability insurance is up to date and capable of handling incidents that may occur as foot traffic grows. Reviewing coverage now helps prevent gaps before activity ramps up in March.
Questions Michigan Businesses Should Consider in Late February
During a late‑winter liability review, we encourage business owners to ask a few key questions. Are current liability limits sufficient for increased foot traffic? Have there been any recent property updates or operational changes that could affect risk? Does the policy clearly outline what happens if someone is injured due to ice, snow, or wet flooring? These questions help determine whether coverage adjustments are needed.
How Shield Insurance Agency Supports Michigan Businesses
Our agency works closely with business owners throughout Michigan to help them stay prepared as seasons change. When clients contact Shield Insurance Agency, we review their policies, explain coverage options, and offer guidance tailored to local weather patterns and industry demands. With updated liability protection in place, businesses can step into spring with a stronger understanding of how their insurance supports them as customer activity increases.
