3 Tips to Protect Your Business From a Natural Disaster


It’s no secret that we all have a love / hate relationship with Mother Nature. Our feelings change depending on the conditions, the day, and the way we’re feeling. However, there is something that everyone can agree on: A natural disaster could threaten the livelihood of a business.

From tornadoes to hurricanes to fires, there are few things a business can do to stop the forces of nature from interrupting their business. Though this is true, it is still crucial that both you and your business are prepared.

So, we’ve gathered some top tips for business owners to do their best, while preparing for the worst: 

1. Know your area:

It’s very important to know what weather weaknesses your area might have, so you can understand the risk of opening your business in that locale.

Before signing on the dotted line to open up your business make sure you know the answers to these questions:

  • What weather conditions is your area especially prone to?
  • What are the possibilities? Even if it’s been ten years since you last had a tornado, it’s still good to know that your area can get them.
  • Is my specific location especially at risk? (IE if your location is on or close to a body of water)

2. Have a plan:

Once you understand the risks associated with your particular location, you should come up with a plan to limit the effects these natural disasters could have on your business.

Here are a few things you can do to prepare:

  • Assess the potential damage a natural disaster could have on your business, employees, and property. Understand the costs associated and make sure you look to the future as you’re creating these plans. Your company may be ten people today, but what would a disaster mean for a company double or tripled in size?
  • Local government officials are willing to help small businesses come up with a disaster plan. What are you waiting for? Get in touch with your local government and start planning.  
  • Make sure your employees understand what to do in the event of a natural disaster striking while working to limit damage and keep everyone safe.

3. Buy the right insurance

Even the best-laid plans can leave you in a lurch, so it’s important to have the right insurance in place should a disaster strike your area and harm your business or property. You should have:

  • Property Insurance will protect your business should your computers, building, or important documents be damaged or destroyed in a natural disaster. Make sure you understand what this policy covers specifically, as you can customize it to cover specific perils such as floods.
  • Should something shut your business down for an extended period of time, you’ll be thanking your lucky stars for Business Interruption Insurance. Business Interruption Insurance will help you cover the loss of income your business may suffer in the event of a natural disaster.

Damages incurred due to a natural disaster are usually pricey, so it’s important that you have a roadmap should your business get rocked by a hurricane or any other force of nature your area may be prone to.

Thinking about the future and potential risks associated with your business can be stressful, but having the right plan in place will alleviate that stress and give you and your employees the peace of mind you deserve. Hop to it!