- Hurricanes in the Gulf of Mexico and the Pacific Ocean.
- Wildfires in the western states.
- Earthquakes in Oklahoma and Alaska.
- Severe winter storms in southern California, parts of the Mid-Atlantic, and northeastern states.
- Floods in Maryland, West Virginia, and Louisiana.
- Tornadoes pretty much everywhere.
Disasters can strike anywhere at any time, so you don't have to be a survivalist to be prepared. Here are our 10 best business preparedness resources that can help you protect your business.
1. Put These 59 Small Business Hacks in Your Pocket
Looking for tons of tips to keep your business safe from the top 10 most costly and most common small business insurance claims? This free eBook 59 Small Business Hacks to Slash Your Risk Exposure & Prevent Insurance Claims is for you. Put some of these pointers in your mind bank and regret nothing.
2. Get Tips from a Business Continuity Expert
In May 2015, we turned our Small Business Spotlight on CEO of eMazzanti Technologies (@emazzanti) Carl Mazzanti. He and his wife Jennifer built their business into a leading business continuity firm after experiencing the trauma of the 9/11 terrorist attacks. Read how he helped their clients and employees survive Hurricane Sandy in “Small Business Spotlight: Natural Disaster Aftermath with eMazzanti Technologies.”
3. Survive Hurricane Season
Another Hurricane Sandy survivor, Bill Corbett (@wjcorbett) of Corbett Public Relations, shares his insight in “3 Ways to Make Sure Your Business Is Ready for Hurricane Season.” He and Edward Colson, owner of the business continuity firm Ready Northwest (@Ready_Northwest), offer tips for weathering hurricanes. The best part? These pointers apply to almost any storm.
4. Make It through a Blizzard
Hurricanes may impact coastal businesses, but what about the other natural disasters? The article “New England Snow and Business Interruption” shows you how to prepare your business for a catastrophic winter storm. The takeaway: Business Interruption Insurance can help make up for lost income and pay for routine expenses when a storm puts your operations on hold.
5. Protect Your Commercial Property
As Ready.gov notes, insurance is an important part of disaster preparedness. For example, most Commercial Property Insurance policies cover some of the damage natural disasters cause, so you probably want that in your survival kit. Get more details in “Property Coverage: Let’s Get Physical.”
6. Get the Skinny on Business Interruption Insurance
Property Insurance covers the physical repairs when calamity strikes. But you also have to worry about making payroll and keeping the lights on. That's where Business Interruption Insurance comes in. Learn more about it in “Business Interruption Insurance: How It Works.”
Too busy to read the entire article? Take a moment to watch the Business Interruption Chalk Talk instead.
7. Dodge the Disaster Recovery Loan
First, there’s the catastrophe. Then there are stories of survival. But the next set of news reports are usually on the cost of recovery. That’s trivia for those out of the storm zone but pertinent information for the businesses trying to reopen. The article “Avoid the Nightmare of Disaster Recovery Loan Paperwork with Business Interruption Insurance” explores why you should opt for insurance over loans to help with recovery costs.
8. Non-Natural Disaster Pointers
National Preparedness Month focuses on natural disasters, but they aren’t the only traumatic events that might impact your business. Civil unrest, for example, can be a gray area for small-business owners. The articles “Lessons from Ferguson: Does Business Property Insurance Cover Damage from Civil Unrest?” and “City Curfew and Business Interruption Insurance: Coverage Varies” may clarify things for you.
9. Protect Your IT
“Batten Down the Hatches and the USB Ports: Why IT Businesses Should Prepare for Bad Weather” may be geared toward the IT industry, but its tips apply to any small business that uses technology. At the very least, you can use it to start thinking about what tech is vital to your business and how you might best protect it from a variety of weather scenarios.
10. Save the Polar Bears! (And Your Business)
According to NASA, global warming brings more intense weather systems, which may result in:
- Hotter heatwaves.
- Higher floods.
- More frequent tornadoes.
Most areas of the country could be impacted, putting your business and the businesses you depend on at risk. That’s an argument for both better disaster preparedness and risk management. Use the article “What Climate Change Means for Small Business Insurance” for ideas on how to minimize the damage your business does do the environment.
If you learned something new, pass it on to a friend! One can never be too prepared.