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BISA Winter Damage: How Contractors Can Stay Protected

Anthiya Gonsalves
January 21, 2026
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Winter storms can wreak havoc on homes and businesses, causing frozen pipes, water damage, and mold growth. For environmental and restoration contractors, these risks are even more critical. BISA, a specialized insurance program by McNeil & Company, provides tailored coverage for the unique challenges of winter damage and restoration work. 

What Is BISA? 

BISA (Specialized Insurance for Environmental & Restoration Contractors) is designed specifically for restoration, remediation, and environmental contractors. Unlike standard policies, BISA addresses complex risks, from extreme weather to environmental liabilities, ensuring professionals can manage job site hazards safely and confidently. 

BISA’s specialized insurance solutions include: 

  1. General Liability – Protects against on-site accidents. 
  1. Commercial Auto Liability – Coverage for vehicles used in restoration projects. 
  1. Workers’ Compensation – Safety net for employees injured on the job. 
  1. Employment Practices Liability – Protection against workplace claims. 
  1. Contractors’ Equipment & Bailee Coverage – Safeguards equipment and client property. 
  1. Contract Performance & Payment Bonds – Ensures contractual obligations are met. 
  1. Contractor Pollution & Professional Liability – Coverage for environmental cleanup errors. 
  1. CPL for Non-Environmental Contractors – Tailored for general contractors. 
  1. Commercial Excess Liability – Extra protection for high-risk projects. 
  1. Cyber & Media Liability – Shields businesses from digital risks. 

Winter Storm Risks 

Winter isn’t just cold; it’s costly. Some common threats include: 

  • Frozen pipes – Burst pipes can flood homes and commercial properties. 
  • Saturated drywall and insulation – Lead to structural damage. 
  • Warped flooring and wood rot – Moisture weakens floors and subfloors. 
  • Electrical system exposure – Water increases fire and shock hazards. 
  • Damage to personal belongings – Especially items in basements and attics. 

If left untreated, water damage creates an environment for mold growth, which can appear within 24-48 hours. Mold is more than unsightly; it can cause respiratory issues, allergic reactions, and worsen asthma. Professional remediation is essential to prevent long-term damage. 

Why Specialized Insurance Matters 

Standard homeowners or business policies may cover basic winter damage, but restoration contractors face far more complex risks. BISA ensures coverage for environmental, contractors’ equipment, and liability challenges, including winter-related claims that could halt operations or cause financial strain. 

With BISA, contractors can focus on restoring homes and businesses, knowing their operations, employees, and clients are protected from the unpredictable damage of winter storms. 

Winter storms are inevitable, but the financial and health risks from frozen pipes, water damage, and mold don’t have to be. BISA insurance offers comprehensive, specialized coverage for contractors and businesses tackling winter restoration challenges. Protect your equipment, your team, and your livelihood this winter with a program designed for real-world risks. 

Explore BISA coverage: McNeil & Company BISA Program