Even though storms move quickly, a little planning goes a long way in offering peace of mind. These simple steps may help clients protect their people, property and operations before, during and after a tropical storm.

What to Know

• Hurricanes and tropical storms account for roughly $9 billion in losses to commercial businesses each year
• Storm impacts aren’t limited to the coast as many regions can feel the effects

Before anything is on the radar

Planning ahead makes everything easier:

• Create a business continuity plan and keep it current
• Make sure employees know their roles
• Talk through how you’ll protect people and property
• Practice the plan so there are no surprises
• Set clear communication expectations
• Have supplies ready when you need them

When a storm is in the forecast

This is the time to act:

• Take photos of the property for documentation
• Bring in or secure outdoor equipment and materials
• Clear roof drains and check drainage systems
• Board up windows and doors as needed
• Use sandbags to help prevent water from entering
• Test backup generators
• Move critical equipment and inventory to higher ground

If remaining on-site is safe

Focus on monitoring and minimizing risk:

• Keep an eye out for leaks, structural issues or fire hazards
• Watch for broken pipes or changes in sprinkler pressure
• Turn off electrical systems during outages to avoid unsafe restart

After the storm passes

Supporting people and starting recovery comes first:

• Check in on employees
• Document any damage with photos and start the claims process
• Have professionals assess any hazards, including electrical or structural issues
• Document damage with photos
• Begin repairs when it’s safe

Clear communication and steady preparation can help clients feel confident, even when conditions are uncertain. When agents lead these conversations early, they strengthen relationships and help businesses recover faster when it matters most.

Interested in more ways to keep businesses safe? 

See the Insurance Institute for Business & Home Safety’s Hurricane Ready Guide or contact us to connect with our Loss Control team.

Please note, this information is advisory only and does not identify all potential exposures. Sources include Zywave, Inc and the Institute for Business & Home Safety.