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Office BuildingsPeople think of tornadoes and fire when they hear the word "disaster." But disasters associated with businesses fall into three categories: natural disaster, manmade perils (violence, terrorism etc.) and technological perils (power surges, hackers etc.). Many businesses are unprepared for disaster, which is why a large percentage of them are forced to shut down permanently after facing such loss. Adequate preparation involves creating a comprehensive disaster plan, which includes a business insurance policy. Here's a brief overview of this process.
  • Revisit your current disaster plan: In order to develop a better plan, you need to see what you currently have. Many businesses rely solely on insurance and/or a weak plan, which usually lacks supply chain weaknesses, threat analysis, communication plans, employee training and test exercises.
  • The right coverage: Work with your independent insurance agent to ensure that your business has enough coverage to cover a variety of disasters. This comprehensive policy is selected by using a property and risk assessment, conducted by your agent.
  • Consider your supply chain: If a hurricane prevented an overseas supplier from getting materials to your workplace, how would you continue operations? A good disaster plan should include a list of alternative suppliers with which you have established relationships.
  • Employee training: In the event of a disaster, it's critical that your employees are safe and that they know what to do. However, you must remember that they could be suffering losses of their own as well. Allow them the ability to work from home or some time off on an as needed business so they can take care of personal matters.
  • Maintain your workplace: Many disasters, such as electrical fires, can be prevented simply by keeping up with regular building maintenance. Safety should be of paramount importance.
  • Hire a consultant: If all of this seems a bit out of your grasp, hire a consultant who specializes in disaster planning to help create, test and implement a plan.
Get the coverage you need. Call Abbey Insurance at (404) 861-1357 for more information on Decatur home insurance.
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