While spring brings warmer temperatures and longer days, it can also bring volatile weather that can damage property and interrupt normal business operations. While it is impossible to prevent catastrophic weather events, business owners can take steps to protect their businesses.

Prepare your Physical Location

Storms can bring damaging wind, rain, and hail. There are ways to minimize the chance of risk, however. 

1. Inspect and maintain your building's roof.
2. Ensure your windows are adequately sealed.
3. Close your doors, including roll-ups, garage doors, and overhead doors, and ensure they are properly secured.
4. Install a backup, surge, or lightning protection.
5. Maintain landscaping and keep limbs away from your roof and building.
6. Secure any free-standing outdoor items before a storm.
7. Back up your data regularly and securely. 
8. Create a detailed list or, preferably, a video of your business personal property.

Prepare your Business Operations

In addition to securing your physical property, creating and following a plan in the event of a storm can help mitigate losses. 

1. Create a business continuity plan.
2. Train your employees on your plan for severe weather.
3. If you have stock on hand, main an accurate inventory of your products. 
4. Ensure you have reliable weather alerts.

Prepare your Coverage

When losses occur – from storms or otherwise – having the right insurance coverage is crucial. Make sure to review your insurance policy to understand what it covers and what it doesn't. If you find any coverage gaps, contact your independent agent and see if we can insure more peace of mind for you!