How to Prepare Your Small Business for a Hurricane in FL | Cogent Bank

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Inside Cogent        Blog        How to Prepare Your Small Business for a Hurricane
How to Prepare Your Small Business for a Hurricane
July 21, 2023

How to Prepare Your Small Business for a Hurricane

The threat of hurricanes and severe weather events to the stability of businesses cannot be understated. In fact, according to the Federal Emergency Management Agency (FEMA), 25% of businesses do not reopen after natural disasters. From financial losses from business closures, damage to facilities and equipment, to displaced employees and even disaster scams, business owners face numerous obstacles to getting back on their feet after a disaster

With 14 major storms in the Atlantic last year (including 8 hurricanes), the best way to mitigate the impact of hurricanes on your business is to acknowledge the likelihood that severe weather will affect your business at some point and to take steps to prepare for it. In this post, we’ll discuss the most important things you can do to get your business ready. By implementing a comprehensive plan and taking appropriate precautions, you can minimize potential risks and protect your employees, customers, and property. 

Develop a comprehensive emergency plan. 

All businesses should have contingency plans in place to help navigate possible disruptions. As hurricanes threaten Florida and other southern states with increasing frequency and force, having a plan for both keeping the business running (or temporarily pausing business) and keeping employees and property protected are crucial to the health of your business. 

Emergency plans should be sure to include the following elements. 

Employee Safety 

Develop a plan specific to your business for both pausing operations and getting employees home (or to safety) before any lives are at risk. You can utilize OSHA’s online tool, Evacuation Plans and Procedures, to help you design a one for your business. Be sure to include easy-to-follow steps to take if emergency strikes while employees are on the job. 

Once you’ve created your plan, train all employees, with special time spent on leaders who may have designated roles. Once hurricane season starts, take extra care to monitor weather forecasts closely—and don’t take chances.  

Property Protection 

Second to employee safety, you want to be sure that you have plans in place to immediately start procedures for securing your buildings, equipment, and vehicles, in the event of a hurricane, flood, or other natural disaster. Be sure that all employees are trained on how to secure their own workspaces or equipment. Consider designating specific employees who reside nearest to your facilities to check in on property—once conditions are safe, of course. 

We’ll talk more about additional ways to protect your property later. 

Business Continuity 

Severe weather or other large-scale emergencies will no doubt disrupt your business operations. While smaller events may be easy to handle (for instance, closing shop early one day), bigger events can create real threats to the health and longevity of your company. That’s why it’s so important to include continuity considerations in your emergency plan to minimize disruptions and bounce back as soon as possible.  

Your plan should consider: 

  • If your business can meet payroll without income (and for how long) 
  • Immediate and ongoing communication with employees, customers, vendors, and suppliers (more on this later) 
  • Continued operation if key parts of your infrastructure (buildings or equipment) are damaged 
  • Sufficient supplies should suppliers be unable to fulfill orders or reach your business 
  • How long of a closure could your business absorb (without income) before threatening its financial stability offers a comprehensive guide, Ready Business Hurricane Toolkit, to help develop a plan to keep your business viable, even in the event of a major disaster. 

Bring Together the Whole Team 

As you develop and test your plan, it’s important to include your whole team to not only ensure that everyone is on the same page, but to also include multiple perspectives and areas of expertise.  

  • Select a responsible team to work together to develop the plan, communicating with each department as they do so. This same team can be the lead on communication during a disaster, so that all employees are aware of their roles and responsibilities.  
  • Then regularly review and update your plan to incorporate any changes in your business operations or infrastructure. Ask for feedback from employees on what they think works, what doesn’t, and what elements may need to be updated or improved. 
  • Lastly, be sure to have routine drills that enact your entire plan, from employee protection to securing equipment, practicing different potential scenarios. Again, ask for employment feedback after each drill. 

Remember, hurricanes can create real and long-lasting psychological harm to individuals who experience their full force. Plans should be designed to appease anxiety, not create it. Be sure to warn all employees of any upcoming drills, but require that they take them seriously—as if preparing for a real event. Have at least one drill prior to the start of each hurricane season.  

Make long-term preparations to protect your assets and employees. 

In addition to creating a broad emergency plan, it’s important to prepare your facilities to minimize damage and protect your employees and assets onsite. Take the time to in advance of each hurricane season to be sure your property is ready for bad weather. 

Here are a few key things to do: 

  • Inspect your roof: Check your mounts and supports. Look for loose shingles or panels. Make repairs as needed. 
  • Inspect doors and windows: Look for loose panes and latches, weak hinges, and damaged trim. Replace old weather sealing. Consider replacing old windows with hurricane resistant glass windows.  
  • Install or test hurricane shutters. Not only can they keep your buildings (and the people inside) safe, they can also reduce your insurance premiums. Install them if you don’t have them—if you do, test them in advance of hurricane season. 
  • Create or review your plan to protect buildings and assets from flood damage: Whether it’s creating levees or flood walls or having plans for sandbag placement, this is essential if you’re at risk for flooding. Have a plan for where and how to store vehicles and mobile equipment. Also, as a habit, be sure to store important documents and technical equipment in flood-safe spaces.  
  • Install or test generators: To keep the lights on and security systems online, to keep sump pumps and fire detection systems going, to provide heating or cooling for employees if they become trapped onsite, or to start up operations again in the event of prolonged power outages. Be sure to also have safely stored and adequate fuel supplies on hand. 
  • Create or maintain a supply center for managing your facilities during natural disasters. Supplies should include: 
    • Sandbags 
    • Mops and rags 
    • Cleaning supplies and trash bags 
    • Shovels, axes, and smaller hand tools 
    • Plywood, lumber, and nails 
    • Hoses and portable pumps 
    • Ropes, fasteners, bungee cords, and duct tape 
    • Tarps or plastic sheeting 
    • Building schematics that include electric and plumbing

Create an emergency supply kit. 

Making sure that any and all employees onsite are safe is your most important responsibility as a business owner. Beyond keeping your buildings in good condition and protected from wind and water, you should also have necessary supplies on hand to keep your employees healthy, fed, and warm. Your employee emergency supply kit should include: 

  • First aid supplies: including bandages, antiseptic, pain relief and other necessary medication, and clean towels 
  • Emergency lighting: flashlights, lanterns or overhead lighting, and ample batteries 
  • Communication devices: portable radios (consider hand-cranked radios) and two-way radios 
  • Water: one gallon per person for several days 
  • Non-perishable food items: canned food, dry food, utensils and plates, and a manual can opener 
  • Sanitation supplies: paper towels, antibacterial wipes and hand sanitizer, toilet paper, and trash bags 

Items can be stored in sealed and labeled five-gallon buckets. This can keep your supplies dry, and the buckets can be useful for a variety of purposes during an emergency. 

Store these items in a safe but accessible location and include details in your comprehensive emergency plan. As part of your preparations for hurricane season, replace all food and water supplies and batteries, and check the viability of other items. 

Safeguard vital business data. 

Beyond hurricane preparedness, securing your business’s digital data has crucial cybersecurity benefits, protecting your private employees and customer’s personal information, financial accounts, proprietary knowledge, and operational systems. 

How can you protect your business data from both cybersecurity and physical threats? 

  • Back up data. Use cloud-based storage solutions to complete scheduled data backups, testing your backups regularly. 
  • Store extra physical copies of essential documents, including insurance policies, legal documents, and contracts, at a secure, off-site location, like a business bank deposit box. 
  • Protect devices. Be sure that all devices, including computers, phones, and tablets, are protected with strong passwords, in the event of looting. Consider enabling tracking features. 
  • Create an emergency data management team. Make sure several key people know how to manage backups, restore files, and other access data in the event of an emergency. 

Establish communication channels. 

Disruptions can happen for a variety of reasons—from natural disasters or health crises to simple mechanical issues that throw off your schedule. Having clear communication channels to stay connected with your employees, customers, and suppliers is important for business continuity, as well as employee safety. 

To be sure you have reliable means to communicate with all necessary parties, here are a few things you should do. 

Create a contact list for employees. 

Include their emergency contact’s information, their home address, and email address, as well as phone numbers. You may want to ask employees to include contact information for where they may stay in the case of an evacuation (such as with a specific family member or friend).  

Update your contact list regularly before each hurricane season and complete a test notification to ensure that your list is accurate. Keep hard copies available in secure places on site and at the homes of your emergency response team leaders.  

Implement an emergency notification system. 

There are many emergency messaging apps and systems available for disaster response. If you have a large employee or customer base, you may want to consider investing in one of these systems to facilitate communication and minimize the work you’ll need to do to stay contacted. They can help you:  

  • Message different contact categories independently (on site employees, remote employees, response team leaders, customers, vendors, etc.). 
  • Create templates to quickly send messages based on your emergency plan with instructions for pausing operations or working from home. 
  • Send automatic alerts based on current weather conditions.  
  • Send communications using multiple avenues: text, email, or phone call. 

Additionally, consider that during a national disaster, power and cell phone service may be unavailable. Be sure to establish alternative modes of communication, such as satellite phones or two-way radios, with select parties, in case traditional communication channels fail.  

Review insurance coverage. 

Well in advance of hurricane season, be sure to review your insurance policies. Many insurance policies take 30 days to take effect—purchasing one when a storm is impending may be too late. Be sure to effectively document and report your assets (pictures are useful!) so that should your business experience damages, you’ll be reimbursed for all your losses (after the deductible). Keep copies of insurance policies in a secure location outside of your business premises. 

Another thing to note is that insurance companies in Florida may charge additional deductibles for hurricanes, and damage caused by flooding is often not part of standard insurance policies. Carefully read all of the terms of your policy, speaking to your agent about coverage questions you may have or purchasing additional insurance. 

Lastly, know that it may be a while before you receive a payout from your insurance company. That’s why it’s important to maintain an emergency expense fund or a business line of credit to cover necessary repair and cleanup costs in the interim. Reach out to your commercial bank or lender to learn more about the options available to you. 

Stay Ready for Hurricane Season with Cogent Bank 

The costs of preparing for a natural disaster can feel daunting—but the cost of being inadequately prepared can be far worse. At Cogent Bank, we know the common extreme weather risks businesses in our region face, as well as the many hurdles to recovery. We want our business clients to achieve long-term success and stability despite these challenges, and that’s why we take disaster preparedness so seriously. 

Whether you’re looking for small business term financing to implement your plan and prepare your facilities and buildings for disaster, business savings & money market accounts to help you start an emergency fund, or business lines of credit to ensure a successful recovery in the event of a disaster, we have the financial tools to help you weather any storm. Contact us today to see what we can do for your business.