Employees may be displaced
Customers may no longer patronize
Access roads or transport may be cut off
Supply chains may be disrupted
Utilities may be lost
A good business disaster preparedness plan includes measure to protect:
- All personnel (including field staff)
A communications plan
Identify alternative locations for continuing business
Have records and data backup practices
Contingency plans for operating with a smaller staff
Alternative supply chains.
FEMA and www.Ready.gov offer a variety of materials and guide books to help businesses of all sizes create, exercise and implement good emergency response and recovery plans including the Emergency Management Guide for Business & Industry. The following information is a good start for small to mid-sized businesses.
The planning process should take an “all hazards” approach. There are many different threats or hazards. The probability that a specific hazard will impact your business is hard to determine. That’s why it’s important to consider many different threats and hazards and the likelihood they will occur.
Implementation of the preparedness program includes identifying and assessing resources, writing plans, developing a system to manage incidents and training employees so they can execute plans.
Testing and Exercises
You should conduct testing and exercises to evaluate the effectiveness of your preparedness program, make sure employees know what to do and find any missing parts.
There are opportunities for program improvement following an actual incident. A critique should be conducted to assess the response to the incident. Lessons learned from incidents that occur within the community, within the business’ industry or nationally can identify needs for preparedness program changes.
The U.S. Small Business Administration (SBA) also has disaster preparedness guides for businesses. The Small Business Administration (SBA) is the federal government’s primary source of money for the long-term rebuilding of disaster-damaged private and commercial property. SBA helps homeowners and renters, businesses of all sizes, and private, nonprofit organizations fund repairs or rebuilding efforts, and cover the cost of replacing lost or disaster-damaged personal property.
These disaster loans cover losses not fully compensated by insurance or other recoveries and do not duplicate benefits of other agencies or organizations. For information about SBA programs, applicants may call (800) 659-2955 (TTY 1-800-977-8339)
In addition, many there are many private resources available to help companies design, plan and implement customized disaster contingency plans and responses. Commercial insurance companies also offer a variety of disaster insurance policies and planning services – however, normal business insurance policies do not cover flood damages.
The only source for business flood insurance is the National Flood Insurance Program.