What type of insurance do you need?

Your business already has protection for its employees, visitors, and the structure. But what happens in the event of a catastrophic situation such as flood, tornado, hurricane, or earthquake? Here are some steps to help get started protecting your business from the devastating consequences of an unexpected storm. For more help or questions regarding if you're covered or not, please call our office at 806-763-7311.

Step 1: Identify Your Risk Area
Certain states and geographical areas are more prone to specific kinds of natural disasters. By knowing what you may be up against, you can plan more effectively. Below are some examples of where catastrophes are common.

Wildfires: Western USA and Drought Ridden Areas
Tornadoes: Central USA
Hurricanes: South and East Coasts
Floods: Near Bodies of Water without Adequate Drainage
 

Step 2: Develop an Emergency Response Plan & Checklist
It is important to have a written and organized plan in place in the event of a disaster. Consider including the following in your plan checklist:

  1. Evacuation Map & Exit Strategy
  2. Procedures for Visitors
  3. Protective Shelter for Taking Cover
  4. Protection of Confidential and Important Files
  5. Offsite Server Back-Ups for Computers
  6. Employee Delegation of Response Checklist Items
  7. Routine Mock Practices

Step 3: Create a Communication Strategy
It is important to have a system in place during and after a disaster. Think about setting up voicemails, monitoring social media, and how to notify people of office closures. If you provide a service to customers outside of your office, such as online customer service, think about how to monitor this while your office is responding to an emergency.

Step 4: Make Sure You Are Covered
Natural disasters such as unexpected storms can have catastrophic effects on your business. If you are in a high risk area, be sure to contact your business insurance agent today to get protection for a specific natural disaster today before it’s too late.

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