If an unexpected disaster were to hit, would you be ready? National Preparedness Month, observed each September, emphasizes the importance of being prepared for disasters and emergencies, allowing individuals and organizations to prioritize emergency planning and preparedness activities.
Expect the Unexpected
When disaster strikes, it is essential to plan ahead in order to minimize damage to individuals and communities. Critical steps include:
- Stay Informed: Understand the unique risks your family, business or community may face and learn how to assess them regularly. Regularly check the weather and subscribe to your community’s alert and warning systems which can notify members of potential disasters or ways to recover following a disaster.
- Create an Emergency Plan: While you should always follow the advice of local government authorities for evacuation and sheltering plans, it is important to create a comprehensive plan for you and your family. Be sure to gather all emergency supplies and critical documents before evacuating to avoid harm or loss during a disaster.
- Support Your Community: Volunteering for and donating to local impact organizations are just a couple ways to uplift your community before, during and after a disaster.
Safeguard Your Assets
Taking proactive steps to protect your property and valuable assets can mitigate damage and expedite recovery in the event of a disaster. Insurance is a vital tool for financial protection in times of crisis. Ensure your homeowners or business insurance policies provide adequate coverage for potential disasters, including:
- Property Coverage: Protects your commercial building and its contents from damage caused by disasters.
- Liability Coverage: Covers legal expenses and damages if your business is held responsible for injuries or property damage.
- Business Interruption Coverage: Helps compensate for lost income if your business is forced to close due to a covered event.
Consider additional coverages such a flood or earthquake insurance. Almost 25% of all flood insurance claims originate outside of high-risk flood zones, so it is imperative to assess your specific needs. Other types of insurance, such as cyber liability and workers’ compensation, can protect your business from unique risks.
FEMA offers a full suite of Hazard Information Sheets with information on how to prepare for, keep safe during and recover from disasters. Download the Full Suite of Hazard Information Sheets or download individual sheets for Active Shooter, Avalanche, Cyberattack, Earthquake, Extreme Heat, Financial Emergency, Flood, Hurricane, Landslide, Novel Pandemic, Nuclear Explosion, Power Outage, Thunderstorm, Lightning, and Hail, Tornado, Tsunami, Volcano, Wildfire, Winter Storm.
Reach Out to an Advisor
Contact a SISCO Risk Consultant to learn more about how we can help you significantly enhance your preparedness for emergencies and protect your personal and business assets from unforeseen events.