You might have disaster risk coverage, but the post-disaster pick-up can be tough to manage. Damaged workplaces, ruined vehicles and injured workers can interrupt a business. Even if you have a good business insurance plan, it’s a good idea to plan out your post-disaster recovery.
To reduce your insurance risks, you’ll need to come up with an emergency response plan. Otherwise, you might face higher personal injury claims. Your general liability plan could even take a beating.
Write out your plan for any situation imaginable. These might include everything from weather scenarios to hazardous spills. Then, train your employees to use it. Enforce the plan with drills, training and hiring requirements. When possible, improve upon the plan.
Store Emergency Response Supplies
Keep a supply of flashlights, first-aid kits, battery radios and other amenities. You should also have plenty of caution tape in stock—as well as several plastic barricades, if needed. If disaster strikes, caution employees, management and customers away from affected areas. In doing so, you’ll cut the risk of accidents, damaged property and dangerous injuries.
Theft is Still a Factor
Even if you’re closed for business, you still need to protect your products, supplies and premises. Theft and vandalism are still factors. Hire temporary security guards. If you still have power, install temporary cameras. Ensure the police know to check the premises. Make sure that when no one is on the property, it still remains secure.
Make Temporary Repairs
While you wait for the contractors, make temporary repairs. Board up the windows. Board up the doors. However, do not try to make repairs that need professional attention. You might exacerbate damage by trying to take sensitive matters into your own hands.
Plan ahead by knowing which contractors to call if you need emergency work. Make sure their phone numbers are available to all staff members.
Have a Backup Power Plan
Make sure you have an alternative source of power. If your business has computers, make sure they’re protected from information theft. Make backups once per month. Prepare to remove your computers from the premises if they’re threatened. Ensure data security remains a priority in the business.
Take detailed notes of your property. Document your employees, customers and management. Snapping pictures is good; recording a video is better. In other words, always remember what you could stand to lose in a problem.
Consider how you’ll resume business operations once disaster strikes. Once you’ve defended the area, you’ll need to minimize expenses due to inactivity. While your business recovers, you can file claims with your commercial insurer. If you have a comprehensive business insurance plan, you will likely stay protected. Ask Alabama Insurance Agency about disaster insurance add-ons, and protect your business from head to toe.