QBE North America Provides Tips to Help Businesses Prepare for Hurricane Season
"Even if you have a tried-and-true plan in place, now is the time to look at it with a fresh mindset," said
QBE recommends having a disaster response plan in place to help ensure employee and customer safety, minimize property damage, and get business back up and running should a hurricane occur. Employers should also be sure to have an up-to-date formal business continuity plan in place, which should be shared with key staff well in advance of a hurricane. This year businesses should anticipate possible delays and challenges in recovery due to rising inflation, supply chain issues, and worker shortages.
QBE suggests the following actions to help business owners ready their property and employees prior to hurricane season. The focus is on protecting:
- People. Employee safety is the number-one concern. COVID safety is still an issue, especially with the potential for additional on-site workers such as outside responders, contractors, and vendors in the event of storm damage. Businesses should have formalized procedures for protecting all workers during both response and restoration periods. Stock up on essential items ahead of time and if possible, use a storage facility for storing materials like chainsaws, fuel for generators, plywood, pumps, and other key machinery, as well as survival needs like PPE, disinfectants, water, food items, batteries, first aid kits, and medications.
- Property. Make sure employees know how to turn off water, gas, and other utilities when necessary, and conduct proper facilities training so multiple people can be called on in a crisis, if needed, especially those in close proximity to the business.
- Records. Gather contacts that are crucial to business operations, such as employees, banks, lawyers, accountants and suppliers. Save this information in an alternate and accessible off-site location.
- Inventory. Have an up-to-date inventory of what is in your offices and facilities, including products and assets, as well as current financials. Keep in mind physical records can easily get destroyed so have a backup elsewhere.
- Power. Have a plan in place if there is a loss in power. Make sure generators are on hand and employees know how to use them safely. Companies should be prepared for longer-than-usual power outages.
"No matter how prepared you are, accidents and losses can happen in an instant," said
QBE also suggests discussing your current insurance valuations to make sure everything is updated going into hurricane season.
QBE makes no warranty, representation, or guarantee regarding the information herein or the suitability of these suggestions or information for any particular purpose. QBE hereby disclaims any and all liability concerning the information contained herein and the suggestions herein made. Moreover, it cannot be assumed that every acceptable risk transfer procedure is contained herein or that unusual or abnormal circumstances may not warrant or require further or additional risk transfer policies and/or procedures. The use of any of the information or suggestions described herein does not amend, modify, or supplement any insurance policy. Consult the actual policy or your agent for details about your coverage. QBE and the links logo are registered service marks of
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