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
- 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.
- One question we are asked is “If we haven’t had a hurricane in a while, why are my homeowner’s insurance premiums increasing?
- Changes to the Recent Flood Insurance Program
Company Claim Phone Numbers
|All Risk||866-350-6885 x4724|
|Berkshire Hathaway Guard||800-639-2567|
|Chubb/Fortress Personal Umbrella||800-252-4670|
|Crump||407-678-4552 ext 402|
|Fidelity National – Home||800-220-1351|
|Foremost Specialty (Boat & RV)||800-274-7865|
– Hartford Personal
– Hartford Commercial
|Homeowners Choice||866-324-3138 x1|
|Hull (if pol# starts with GH)||800-631-6478|
|Hull (all other policy #s)||800-678-4855|
|Johnson & Johnson (J&J)||800-487-7565, ext 5024|
|MSA Insurance Group||877-425-2467|
|National Flood Services||800-637-3846|
|Quaker Special Risk||508-755-6210|
|Tower Hill Flood||877-254-6819|
|Universal North America||888-225-9441|
|Universal P & C||800-218-3206|