How to Plan for Disasters in a Commercial Environment

Most people have some type of plan when it comes to disaster preparation and their homes, but have you ever taken the time to think about your commercial working environment? You have just as important items in your office as you do in your home, and the effects of a natural disaster could be devastating to your finances, your security and your overall business. Although you can always hire someone for emergency storm damage restoration services after the fact, there are some things you can do to prevent a bad situation from becoming worse.


Speak With Your Insurance Provider

Waiting until after a disaster strike is not the best strategy for reviewing your commercial insurance coverage. Take some time today or tomorrow to speak with your insurance provider to ensure you have proper coverage related to disasters. You may be able to combine property and liability in one, or you may choose a more comprehensive commercial plan. Your insurance provider can walk you through all the details, so you end up with a policy that covers all the bases.

When you’re looking over insurance options, replacement cost coverage might be something you’ll want to consider. This ensures the cost to replace any property is based off current prices, rather than the cash value of your property minus depreciation. You may also want to consider tenant coverage if you lease or rent your commercial space.


Arrange a Way for Business to Move Along

When disaster strikes, unprepared businesses often have to call it a day or a week or a month. Part of your commercial disaster plan should include steps for maintaining continuity. These steps might include responsibilities for each member of the workforce, a list of biohazard clean up professionals to contact and other steps that can keep your business moving along as usual. You should hold drills that will encourage everyone in the office to understand their roles in the continuity plan.


Always Keep Up on Inventory

Take one day every year to go over all the merchandise in the office so you know what to reorder or replace. While this is a great system for regular business, it may not do much good in the case of a tornado or blizzard. Every aspect of your commercial belongings should be kept track of. This includes equipment, machinery, merchandise, office supplies, office furniture and work vehicles.


Backup All Your Information Off Site

Computer data isn’t the only thing you need to worry about when it comes to backing up information. You should also store contact information for employees, vendors, suppliers, customers, tenants and anyone else you do business with on a regular basis. You should have your banking information on file at an off-site location, as well as a copy of your insurance policies and lawyer contact information. A list of that inventory you kept careful track of should also be located off-site.

Speaking of keeping things off-site, your information needs to be far enough away from where you are that it won’t be affected by the same natural disaster your commercial property is hit with. If you live just two miles away from the office, your home is probably not a great place to keep back up information. Look into data protection agencies to find one that can house your information in a safe, secure and distant location.


Get in Touch With Storm Damage Restoration Professionals

After a disaster strikes, you’ll want to be in touch with emergency storm damage restoration professionals. To learn more about what services they provide, contact Paul Davis Reconstruction today at 260-436-7510 and speak with someone who has the experience you need to recover, restore and rebuild after a disaster.