According to Business Insider, one in four small businesses hit by a natural disaster never reopens its doors. Disasters such has floods and hurricanes are frightening for anyone touched by them, but only made worse for a business that support the local community. It is important to make sure that your business is protected when disaster strikes. By following these steps you can better prepare your business for the next disaster, whatever it is and whenever it decides to strike.
Understanding Weather Trends
The first thing to take note is the weather patterns in your area. Being aware of what kind of weather to expect in your area can help you be better prepared for weather conditions. It can also help you keep your business stocked with the correct emergency equipment. The biggest issue today is that weather trends are not as easy to predict as they used to be with changes brought on by El Nino and other disruptive aspects of climate change. Knowing how bad the weather can get isn’t only useful for preparing your company, but also for your workers and clients when it comes to keeping them safe and informed.
Create an Emergency Response Plan
It is important to have a plan for when a natural disaster strikes. Create a group within your staff to create a smart plan that is easy to follow. Review the plan with all the employees and make sure everyone has a strong understanding of each step. Once a month run a mock drill so that each employee is able to demonstrate the correct plan. It is very important to have a plan because if a real disaster were to ever strike you would need all your employees on the same page.
Invest in Commercial Disaster Insurance
The best way to protect your business is looking at your current business insurance and what additional coverage you need. It’s important to review different insurance plans so that you are getting the best one for your business. Most Business Owners Insurance plans cover building and their contents, many also cover damages caused by fire and other natural causes, but it’s important to find out of your most likely are covered. Business Owners Insurance also has different plans based on the size of your business as well. It is important to get in contact with an expert and work together to come up with the best insurance plan for your business.
Natural disasters are part of life that we cannot get away from. Although, to protect your business there are a few small steps that you can take that will ease the pain when disaster does strike. With the use of a plan, insurance, and studying the weather patterns you can be better prepared for life’s worst moments. If you are interested in providing your business with insurance, contact the professionals at TJ Woods Insurance and see how we can help protect your business.
