Learn the steps you should take to prepare your business for extreme winter weather.
Even if you live in an area with milder winters, you shouldn’t let a winter storm take you by surprise. There are many things that you can do to prepare and protect your business for winter weather. Here’s where you should start.
Make an Emergency Plan
You should have an emergency action plan in place for you and your employees. Your plan should detail how to evacuate your building and where your employees should reconvene after an emergency evacuation. You should also know where business operations will restart after an emergency and where employees will work. Having your employees work from home might be necessary until you can reopen your normal place of business.
Conduct an Inventory
Another way to be prepared for a winter storm is by taking stock of your business’s supplies and expensive equipment. Conducting an inventory of your business’s belongings will help you identify damages following a winter storm and will aid you in filing an insurance claim. Make sure you take pictures of different items and equipment inside your business, and take pictures of your business’s exterior to help you document the condition your business was in before winter storm damage.
Review Your Insurance
Finally, you should understand exactly what your insurance covers in the case of storm damage. Carefully read through your business’s policy and make sure you understand what your coverage limits and deductibles are. If you fear that you do not have adequate coverage to protect your business, then contact your insurance agent to see if you can increase your coverage. You should also consider adding business interruption coverage to your policy. This type of coverage offers money to cover expenses if your business operations are interrupted. Ask your insurance about this type of coverage for more information.
These are just a few steps you can take to prepare your business for a winter storm. If you are looking to get your business the coverage it needs, then contact the professionals at Fullhart Insurance Agency. Serving all of Waldport, Reedsport, Sisters, and Tigard, Oregon, and the surrounding areas, we serve all your personal and commercial insurance needs.