Protecting Your Business During Hurricane Season
Hurricane season can be devastating for businesses. High winds, flooding, and power outages can halt operations, damage property, and put employees at risk. According to FEMA, 40% of small businesses that close due to hurricane damage never reopen. The good news? With proactive planning, you can significantly reduce the impact of a storm on your business.
Why Preparation Matters
Hurricanes don’t just affect coastal businesses—storms can cause flooding and power outages hundreds of miles inland. Beyond physical damage, hurricanes can disrupt supply chains, communication, and customer relationships. A strong preparedness plan ensures your business can recover quickly and continue serving customers.
Step 1: Protect Your Property
- Secure Windows and Doors: Install storm shutters or plywood to protect against windborne debris.
- Reinforce Your Roof: Have a professional inspect your roof for vulnerabilities.
- Clear Surroundings: Remove trees or branches that could fall on your building.
- Prevent Flood Damage: Use sandbags in flood-prone areas and elevate critical equipment.
- Anchor Heavy Items: Secure shelves, filing cabinets, and large furniture to wall studs.
- Turn Off Utilities: Shut off water, gas, and electricity before the storm hits if possible.
Step 2: Safeguard Important Documents
- Back Up Data: Store digital files in the cloud and keep encrypted backups off-site.
- Protect Paper Records: Place insurance policies, legal contracts, and tax documents in waterproof containers.
- Create a Contact List: Include employees, suppliers, banks, and emergency services. Keep a copy off-site.
Step 3: Prepare an Emergency Kit
If employees are on-site when a storm hits, you’ll need:
- Battery-powered radio
- Flashlights and extra batteries
- First aid kit
- Three-day supply of food and water (one gallon per person per day)
- Blankets and basic tools
- Cash and credit cards
- Emergency contact numbers (local authorities, hospitals, insurance agent)
Step 4: Review Your Insurance Coverage
Standard property insurance may not cover hurricane-related damage like flooding or wind-driven rain. Review your policy and consider:
- Flood Insurance: Covers storm surge and water damage.
- Business Interruption Insurance: Helps replace lost income during downtime.
- Windstorm Coverage: Protects against wind damage.
Step 5: Develop a Continuity Plan
- Identify critical operations and how to maintain them remotely.
- Establish a backup location or remote work plan.
- Train employees on emergency procedures and communication protocols.
Hurricanes are unpredictable, but your response doesn’t have to be. By securing your property, protecting vital records, and ensuring proper insurance coverage, you can keep your business resilient—even in the face of a major storm.
