Scott and John discuss the challenges small businesses face during severe weather events, using the recent "Snowmageddon" storm as a case study. They explore critical topics including employee attendance policies during dangerous weather, insurance coverage for snow and ice damage, business interruption insurance, liability concerns, and risk management strategies. The hosts share personal experiences with weather-related business disruptions and provide practical guidance on commercial property insurance, flood coverage, and documenting safety precautions. The episode concludes with actionable advice for reviewing insurance policies and preparing for future weather emergencies.

0:00 - Introduction & Snowstorm Impact

2:10 - Employee Attendance Policies

5:30 - Economic Impact of Weather Events

8:30 - Business Revenue Loss

12:30 - Liability & Reasonableness Standard

16:00 - Parking Lot Safety & Slip-and-Fall Liability

21:00 - Introduction to Insurance Coverage

23:00 - Commercial Property Insurance

25:30 - Business Interruption Insurance

28:00 - Named Perils vs. All Risk Policies

30:00 - Flood Damage Coverage

33:00 - Liability Insurance & Duty of Care

35:30 - Risk Management Strategies

38:00 - Action Items & Lessons Learned