Hurricane Preparedness

Despite the relative calm during the past few years, hurricane season in Florida is not something that should be taken lightly. Business owners face the obligation of protecting their business, as well as themselves and their families. The tips below should help mitigate the damage that could ensue in the event of a hurricane. Wishing you all an uneventful hurricane season. Remember, your business property & liability insurance does not cover flood, which is defined as rising water coming from the outside into your building. Be sure to evaluate your policies to ensure you also have the proper flood insurance for your property. Also, be sure to call your Gracey-Backer agent if you have any questions about your flood or wind coverages.

– Gracey Backer Insurance

Hurricane Tips

  • Review your property insurance with your insurance agent. Take photographs or make a video of your business establishment, both inside and outside.
  • Determine and establish a written Hurricane Preparedness Plan for your business and its contents. Coordinate this plan with local and state officials. Specify the conditions under which the plan will be implemented.
  • Test your plan and review it annually. Establish an employee-training program of your Hurricane Plan.
  • Make plans for protection of your computer files, including an off-site back-up system to secure and safely store data.
  • Protect corporate records, keeping duplicates at an alternate location.
  • Well in advance, acquire emergency protective equipment and supplies. Heavy plastic sheeting, duct tape, sandbags, emergency generator, chain saw and large pieces of plywood will help protect your property.
  • As storms approach, remember to bring in display racks and other objects, such as trashcans that might cause damage if airborne. Remove outdoor signs, especially those that swing or are portable.
  • Move merchandise, equipment or furniture away from windows or skylights. Elevate boxes or equipment, if possible.
  • Turn off electricity and disconnect all electrical appliances and equipment (except for refrigeration equipment), in case there is a power outage. An ensuing power surge, once power is restored, could be damaging to connected equipment.
  • Inform all employees on when and how you will notify them to report back to work.
  • Develop an employee identification system, such as picture ID badges. This may help employees gain access to the area after a hurricane.
  • If possible, make arrangements to pay employees in cash. It may be several days before banking institutions are operational.

Company Claim Phone Numbers

Claim Company
Phone Number

AIG

– Personal & Commercial

All Risk

Aspen/Professional Protector Plan

Attune

Bankers/First Community

Bershire Hathaway Guard

Cabrillo Coastal General Ins Agy

Chubb

Chubb/Fortress Personal Umbrella

Citizens

Crump

Edison

Farmers (Formerly MetLife)

Federated

Fidelity National – Home

Florida Peninsula

Foremost Auto

Foremost Commercial

Foremost Specialty (Boat & RV)

Gulfstream

Hagerty Insurance

Hartford Flood

Heritage

Homeowners Choice

Hull (all other policy #s)

Hull (if pol# starts with GH)

Johnson & Johnson (J&J)

Maison

Maison - NFIP Flood

Mercury

Minico

Monarch

MSA Insurance Group

National Flood Services

National Risk Solutions

Old Dominion

Olympus

Olympus Flood NFIP

Orchid

Progressive

Pure

Pure - Flood

Quaker Special Risk

Risk Placement Services

Safeco

Safepoint

Seacoast Brokers

Southern Oak

Starr Indemnity

Stillwater

Tower Hill - Commercial

Tower Hill - Personal

Tower Hill Flood

Travelers

TypTap

United Marine

United Property

Universal North America

Universal P&C

US Assure

US Broker

USLI

VYRD

Wright – Flood Insurance

Zurich/Farmers

Company Claim Phone Numbers

Claim Company
Phone Number

All Risk

American Integrity

Avatar

Bankers/First Community

Big I/Praetorian

Chubb

Chubb/Fortress Personal Umbrella

Citizens

Crump

Edison

Federated

Fidelity National – Home

Florida Peninsula

Foremost Auto

Foremost Commercial

Foremost Specialty (Boat & RV)

Gabor

Gulfstream

Hagerty Insurance

Hartford Flood

Hartford Personal

Hartford Commercial

Heritage

Homeowners Choice

Hull (if pol# starts with GH)

Hull (all other policy #s)

Johnson & Johnson (J&J)

Mercury

MetLife

Monarch

MSA Insurance Group

National Flood Services

Old Dominion

Olympus

Olympus Flood

Orchid

Prepared

Progressive

Pure

Quaker Special Risk

Safeco

Safepoint

Southern Fidelity

Southern Oak

Starr Indemnity

Stillwater

Tower Hill

Tower Hill Flood

Travelers

United Marine

United Property

Universal North America

Universal P & C

US Assure

US Broker

USLI

Velocity

Weston

Wright Flood

Zurich/Farmers