How Seasonal Risks Affect Your Commercial Insurance in the Rockies

Running a business in Colorado or Wyoming comes with some unique challenges—and many of them are seasonal. From wildfire season and summer hailstorms to icy roads and snow-packed roofs, local conditions can cause real damage and major disruptions. The good news? With the right insurance, you can keep operating with confidence year-round.

In this post, we’ll break down the most common seasonal risks in the Rocky Mountain region—and how to make sure your coverage matches the reality of your location.

1. Hail Damage in Spring & Summer

Colorado consistently ranks among the top states for hail damage claims. From Fort Collins to Englewood, it’s not uncommon to see cracked windshields, roof dents, and property damage after a single storm.

What you need to know:

• Commercial auto policies should include comprehensive coverage for hail

• Business property coverage can help repair damaged roofs, signage, or HVAC units

• Claims spike in spring and early summer—be sure your limits are up to date

2. Wildfire Risk in Late Summer & Fall

While Wyoming tends to see fewer fires than Colorado, dry spells and wind conditions can quickly change that. Businesses near forested or rural areas face risks from evacuation orders, smoke damage, and complete property loss.

How to prepare:

• Check if your property insurance includes coverage for wildfire and smoke

• Add business interruption coverage to protect against lost income if you’re forced to close

• Review your policy’s exclusions—some may require special endorsements

3. Snow, Ice & Winter Hazards

From November through March, businesses across both states face snow loads, icy walkways, and vehicle-related risks. Even a short storm can trigger expensive claims if someone slips and falls or a delivery vehicle crashes.

Smart coverage includes:

• General liability for third-party injuries like slip-and-falls

• Property coverage for roof collapse or water damage

• Workers’ comp for employee injuries from winter-related accidents

4. Spring Flooding & Melting Snow

Rapid thaws or spring rain can overwhelm drainage systems, flood basements, and damage inventory. Many business owners are surprised to learn that most standard policies don’t include flood coverage.

What to ask your agent:

• Do I need a separate flood policy for my location?

• Can I get coverage for water backup or sewer overflow?

• What’s my deductible on water-related claims?

Why Seasonal Planning Is Smart Business

You can’t control the weather, but you can control how prepared you are for it. Seasonal risk isn’t just about physical damage—it’s also about lost time, income, and customer trust.

The right insurance protects your operations and helps you recover faster when something goes wrong. And because we live and work here too, we’ll make sure you have the protection that makes sense for your business—not just what some national call center offers.

 

Your coverage should change with the seasons—just like your business does.
We’ll help you review your policy, identify local risks, and update your coverage before the next storm hits.

 

Call or request a seasonal coverage review today—it’s quick, free, and built around your business.