NFIB

Be Prepared!
04/ 03/ 2002


Whether your area of the country is vulnerable to tornadoes, floods, hurricanes, or drought-induced wildfires, the risks are serious. If a natural disaster hits, advance preparation minimizes the possible loss of life and property. In today's Workshop, contributor Edith Helmich discusses some steps to prepare in advance for natural disasters.

Boy Scouts have been saying it for generations. The "Be Prepared!" motto is one that smart business owners think about each year as the season for Mother Nature's wrath draws near. While science has not yet managed to tame the weather, advance warning systems usually provide an opportunity to batten down the hatches and take cover.

Some of the advance preparations for Mother Nature's unpredicted behavior include:

1. Conduct a historical risk analysis for your community and the surrounding areas. The local library will provide accurate records of natural disasters that occurred in the past.

2. Inspect your business property to make sure that preventive measures are in place. Consider whether the addition of storm windows, a standby generator, or other safety devices will significantly protect your employees and business assets.

3. Review your insurance policies to be sure that natural disasters are covered. Sometimes special riders are required for environmental events, such as floods or earthquakes. Be sure to check on exactly what losses are covered and the deductibles that apply.

4. Make sure copies of an up-to-date inventory are maintained and placed in an off-site location, such as a safety deposit box.

5. Conduct disaster drills and reviews with employees. Decide on the safest place they should go when an emergency situation occurs. Provide instructions on how customers should be guided to a safe area.

6. Stock and maintain an emergency supply center with appropriate items. Flashlights, batteries, a portable radio and cell phone should be included in the provisions, along with a basic first aid kit. Portable fire extinguishers should be available. Telephone numbers for medical or emergency assistance should be laminated.

7. Check with local police and fire departments about disaster or evacuation plans for the community.

8. Obtain copies of the guidelines for applying for government programs with disaster relief provisions, such as the Federal Emergency Management Agency (http://www.fema.gov/impact/resrc.htm). Low interest loans and assistance in cleaning up the debris from natural disasters are very important services. In the confusing aftermath of a disaster, valuable time may be lost if you are unfamiliar with requirements and procedures.

Taking steps to protect your employees and business is prudent. Natural disasters cost this country approximately $1 billion every year, with seven of the ten costliest years falling in this decade. The time and money spent on prevention can significantly save money for businesses in the long run.

workshop.managing.wed
9.15.1999

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