Lessons Small Businesses Can Learn About Hurricane Season

Hurricanes Florence and Michael Showed Business Owners Valuable Lessons 

One disaster after another, our precious nation has suffered terribly after Hurricanes Florence and Michael unleashed their fury. Thousands of home, businesses, and wildlife habitats have been devastated because of these mass destruction events. While it can be hard to see the positive side to these disasters, there are some lessons that small business owners can learn about how business insurance in Reading, PA can protect them.

Back up your data.

It’s a good idea to regularly back up your business’s data, but if you hear of a potential hurricane on the weather report, spend a bit of extra time backing everything up and securing it safely. Even if your storefront is at risk when a hurricane is approaching, your data doesn’t have to be!

Inland flooding is often the worst impact.

Although top wind speeds get the headlines and determine the hurricane’s intensity, it is often the flooding that causes the most destruction. Most small businesses wouldn’t be able to survive a flood, from ruined stock and equipment to a weakened structural integrity to temporary closures. Unfortunately, most business owners are unaware that their property insurance often excludes flood damage. Flood insurance coverage needs to be purchased separately (and is well worth it).

People come first.

Sure, infrastructure and data concerns are a priority, but the safety of yourself and your employees is more important. If possible, businesses should enable employees to work remotely when a hurricane is coming through. You can share files and documents through the cloud so that your team have everything they need to work efficiently. If your business does need to close temporarily to recover, business interruption insurance can step in to help with the costs and lost income.

Talk to an insurer who understands your business and industry demands so that you are suited with the right insurance coverage. For all of your business insurance needs, contact the experts at Insurance Offices Ltd. in Reading, PA. To us, you’re a person, not a policy number. We take the time to understand your needs and budget so you have reliable and affordable coverage in place.



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