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Risk Management for Small Business Owners | SERVPRO® of Alamo Heights

12/23/2019 (Permalink)

For small business owners, natural disasters can be extremely high-stakes. Not only is there the direct danger that comes from the disaster, but there is also the risk to their business and livelihood in the aftermath. With natural disasters becoming increasingly common across the country if you have not thought about how to prepare for a disaster, now is a good time to do so.

Identifying and managing risk as well as preparing for the aftermath of a natural disaster that affects your business is a wise choice to ensure you are doing everything you can to protect your investment.

How to Manage Your Disaster Risk as a Small Business Owner

1. Double-Check Your Insurance
After a natural disaster, many small business owners are surprised to find that their insurance coverage does not extend as far as they thought it would. Issues like floods and excessive damage are not always included in policies, requiring business owners to purchase supplemental commercial insurance for their business property to be fully covered.

2. Create Your Action Plan
When a natural disaster is on the way, having a plan of action is one of the best things you can do to keep yourself and your property safe. Be sure you are aware of evacuation routes, nearby supply centers and any emergency precautions you should take before exiting the building in the event of a disaster.

3. Rehearse Drills and Prepare Staff
If you are in an industry with on-site staff, it is important that they are prepared for a disaster, too. By communicating the disaster procedures with your employees and conducting regular disaster drills featuring different scenarios, you can reduce your liability and help everyone feel safer in the work environment.

4. Choose a Restoration Company to Work With
When a disaster hurts your small business, it has also hurt your livelihood—which is why reopening quickly is so important following a disaster. By picking the restoration company you will work with in advance of a disaster scenario, you can call them the moment you discover damage so your restoration process can begin right away.

If you need to pick a commercial restoration company that’s right for you, call us today! We can tell you all about what sets our process apart.

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