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Hurricane Planning Advice

Hurricane Checklist: Is your business covered?


Have you prepared your business for a natural disaster?  Ask yourself the following questions to see if your business can withstand a natural disaster:

  • Have you identified the impact a disaster will have on employees, customers, and business relations?
  • Have you determined how long your company can afford to be closed before your business is critically affected?
  • Have you developed, documented, and tested a comprehensive business continuity plan for facilities, employees, process, systems, data, and network that addresses recovery and restoration, and internet communication that includes your suppliers and customers?
  • Have you determined how your business will operate should key business partners and vendors be effected by a disruption or disaster?
  • Have you negotiated vendor contracts or lease agreements necessary to acquire equipment and services in the event of a significant disruption or disaster?
  • In Florida, the most important activity to include is taking pictures of your building and contents just prior to an expected hurricane, documenting the condition of your property.  

If you did not answer “yes” to all of these questions, you have a benchmark to start your disaster plan. It is critical to put safeguards in place now to keep your business running after a disaster strikes.

  • Look at your business assets. Do a self-assessment of your insurance policies, including commercial property, commercial auto and commercial flood insurance policies. Does your current insurance cover your outside signs, glass breakage for your storefront, and business interruption expenses?
  • Think about your employees. Create an employees list with emergency contact information. If your business must be closed, do you have insurance coverage to continue salary payments for your key employees?
  • Put your plan together and share it with your employees and critical need to know business relations. Create a portable ready-to-go box with copies of important papers and contacts.


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Demetree Insurance Services

3740 Beach Blvd., Suite 102
Jacksonville, FL 32207
Main office: 904-398-5656

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