Prepare Your Business for a Storm
A Severe Weather Plan can help you prepare for an approaching hurricane or another severe weather event. Make sure everyone in your business, especially your leadership team, understands the Severe Weather Plan. Each year, review the plan and update it as necessary.
Know Your Risk
- Check your hurricane evacuation level and FEMA flood maps to determine if your business location is vulnerable to storm surge or freshwater flooding.
- Have your building(s) inspected by a licensed professional to find out if your workplace is vulnerable to hurricane force winds and what is recommended to retrofit.
Take the Necessary Precautions
- If a storm threatens, secure your building.
- Cover windows.
- Cover and move equipment/furniture to a secured area.
Protect Data with Backup Files
- If your business depends on data processing, consider an alternate site.
- Make provisions for alternate communications and power.
Make Plans for Supplies and Services
- Be prepared to work with limited supplies of cash, and be without water, sewer or power for at least two weeks. Store emergency supplies at the office.
- Employee safety comes first. Prepare, distribute and follow your business hurricane plan for recovery.
- Consider providing shelter to employees and their families and helping with supplies after a storm.
- Establish a rendezvous point and time for employees in case communications are disrupted.
- Establish a call-down procedure for warning and post-storm communications.
- Provide photo IDs and a letter of authorization to enter the building.
Contact Customers and Suppliers
- Share your communications and recovery plan in advance.
- Prepare a list of vendors to provide disaster recovery services.
Review Insurance Coverage
- Have your business appraised at least every five years.
- Inventory, document and photograph equipment, supplies and workplace.
- Have copies of insurance policies and customer service/home numbers.
- Take out Business Interruption Insurance.
- Consider Accounts Receivable and Valuable Papers Coverage and Income Destruction Insurance.
- If you have Business Owners Protection Package (BOPP), check co-insurance provisions.
NOTE: Flood damage requires separate coverage and is not covered under other insurance programs.