Your small business clients rely on you for guidance, especially when seasonal risks are on the rise. Spring storms present a timely opportunity to review exposures, preparedness and coverage. 

Severe weather can disrupt operations and damage property. When clients are unprepared, wind, hail and flooding can lead to costly interruptions and prolonged recovery. Early preparation can help reduce potential losses and minimize downtime. Proactive conversations—before severe weather arrives—can make a meaningful difference. 
 

Practical Storm Preparedness Tips

Preparing the Physical Business Location

• Designate a safe place to protect employees
• Inspect and maintain roofs
• Ensure windows are closed and properly sealed
• Check seals on all doors, including roll‑up, garage and overhead doors
• Protect equipment with backup power, surge protection and lightning protection
• Maintain landscaping and trim limbs away from buildings
• Secure free‑standing outdoor items before storms
• Back up data regularly and securely

• Create a detailed inventory—or video—of business personal property

   

Preparing Teams & Business Operations

Advance planning can help minimize downtime and reduce potential losses:

• Train employees on the severe weather plan, including the location of the designated safe place
• Ensure access to reliable weather alerts
• Develop a business continuity plan
• Maintain an accurate and current inventory

Coverages & Claims for Storm Damage

Certain coverages may help protect against losses related to storm damage. A timely review helps ensure policies reflect how the business operates today, not how it operated in the past. After a storm, prompt action and documentation can support a smoother claims process.

Take Action Now

Don’t wait for the next storm to hit. Encourage your clients to review coverages, plan ahead and keep their business operational all year long. Interested in more tips for spring preparedness? See what the Insurance Institute for Business & Home Safety suggests businesses do to be thunderstorm ready.

Photo courtesy of Tricky Shark, Stock.Adobe.com.