Severe Weather Tips for Businesses

March 1, 2022

Severe weather can disrupt your company’s operations. Each type of event poses its own threats. While you may not be able to avoid the threats when they arise, you can minimize the damage and risks. The following severe weather tips will help you be as prepared as possible.

Severe weather can disrupt your company’s operations. Each type of event poses its own threats. While you may not be able to avoid the threats when they arise, you can minimize the damage and risks. The following severe weather tips will help you be as prepared as possible.

5 Tips for Preparing Your Business for Dangerous Weather

Unexpected severe weather increases the risk of property damage, injury, and even death. Being prepared for bad weather can protect your business and save you money in recovery costs.

No matter where you live or work, severe weather events can happen anytime and are on the rise.

  • Tornadoes—According to NOAA’s National Severe Storms Laboratory, tornadoes can occur any time of year. However, they mostly occur in spring and summer, depending on the region. And tornadoes have been reported in all 50 states. Tornados range from EF2 up to EF5, which is the most damaging with winds of more than 200 miles per hour.
  • Thunderstorms—Thunderstorms can be difficult to predict, which can lead to short warning times. Thunderstorms inherently involve lighting and often produce hail, strong damaging winds, and flash floods. They can also produce tornadoes, and lightning strikes can cause fires or electrical damage within buildings.
  • Floods—Melting snow and ice and rain can cause flooding over a period of time, such as when a river gradually overflows its banks due to many days of rain. Flash floods, on the other hand, happen when there is so much rain in a short period that the water levels rise. NOAA reports that flash floods are the top weather-related killer in the U.S.
  • Winter storms—Heavy snow, freezing rain, and ice can cause power outages, property damage, and hazardous road conditions for days. And even if buildings don’t sustain direct damage, winter storms can also force businesses to shut down.
  • Excessive heat—Higher temperatures in the spring, summer, and even fall can lead to heat-related disorders or illnesses if employees work in outdoor environments. The heat can also result in higher demand for electricity and water. 

The trusted pros at Cell Brokerage understand your concerns about damage from severe weather. We are a personal and commercial insurance company that puts people first.

Tips for Minimizing Severe Weather Damage Risks

Even though severe weather can be unpredictable, companies can reduce risks for property, staff, and clients by being prepared. The following severe weather tips and precautions can help you prepare:

  1. Create a preparedness plan—Just like a fire preparedness plan, a severe weather plan helps keep everyone safe during a weather emergency. Your plan should clearly outline what staff should do during different extreme weather circumstances. Also, include a communication protocol for each scenario, so no one is left in the dark. And just like fire drills, run severe weather simulations. That way, the plan is second nature when implemented during a real-life scenario.
  2. Stock an emergency kit and keep it on hand—Your emergency kit should hold all the necessary emergency supplies. Some items include water, flashlights, a first-aid kit, extra batteries, blankets, a toolset, and up-to-date contact information for local and state entities.
  3. Secure the property and outdoor assets—During severe weather, dead trees, unsecured materials, and more can become airborne and pose hazards. Consequently, buildings, vehicles, and external systems can be damaged. Before severe weather ever hits the radar, perform preventative maintenance to prevent property damage.
  4. Schedule regular data backups—Power outages are common during severe weather and can cause damage to equipment or loss of information. Schedule regular backups of critical data so nothing is lost. This practice can also help rebuild systems if necessary.
  5. Obtain proper insurance coverage—Expert insurance brokers, like Cell Brokerage, can help company leadership plan for, and understand the impacts of catastrophic weather. How is your insurance coverage? Are you fully covered, or do you have gaps in coverage? Contact us for a coverage review. This exercise can help ensure that you won’t be hit with surprises that may result in an uncovered loss.

Be Better Prepared When Severe Weather Strikes

Even though severe weather poses threats, businesses can be better prepared to minimize property damage risk and risks to employee, client, and customer wellbeing. The first step is working with an experienced broker to ensure the appropriate insurance coverage is in place.

For more information, contact us today at 844-440-4222.

Talk to an Insurance Pro

How Often Should I Update My Business Insurance Coverage?

By Cell Brokerage | November 15, 2022

Business insurance coverage should change as your business evolves. No matter if your company is moving to a new location, experiencing a burst of growth, or any significant change, you should evaluate your insurance coverage. As needs change, so do the risks. Make a plan to review your business insurance policy at least once a year and every time there’s a significant change. Taking a proactive approach like this can help ensure you have the coverage you need to protect your company in the event of a disaster.

Read More

Why You Should Use An Insurance Broker

By Cell Brokerage | November 1, 2022

A significant challenge when shopping for business insurance is making sense of various coverage options and products. Knowing precisely what will be best for your situation can be overwhelming. Working with an experienced and qualified insurance broker can reduce the confusion and help you make the right policy choice.

Read More

I Started My Own Business. What Insurance Do I Need?

By Cell Brokerage | October 18, 2022

Congratulations on starting your business! Whether in the professional services or consulting industries, retail, manufacturing, or construction, companies need business insurance. And having the right coverage can help protect you from expensive damage and lawsuits.

As a business owner, you have plenty of options.

Read More

Protecting Your Business from Insurance Scams

By Cell Brokerage | October 1, 2022

No matter the size, businesses must be prepared for illegal and frivolous insurance claims from scammers. And it can be hard to identify who may be running an insurance scam, hoping to get some of your hard-earned money or disrupt your business. The person may be an everyday contractor, the friendly voice on the phone, or the sender of an email in your inbox. In disguise, the person is a scammer, hacker, or fraudster.

Read More

Incorporating Insurance Into Your Risk Management Strategy

By Cell Brokerage | September 15, 2022

Risk management is a broad topic that involves taking steps to minimize and control the threats businesses face. Learn how to identify your risks and what you can do for prevention.

Read More

Do I Need Business Interruption Insurance?

By Cell Brokerage | September 1, 2022

Wondering if business interruption insurance is right for you? Find out the coverage benefits to help keep your company running after a major disaster

Read More

Is Renters Insurance Necessary?

By Cell Brokerage | August 4, 2022

A renters insurance policy is meant to cover unexpected events like theft or fire. Whether you lease a home or an apartment, it’s a good idea to have a renters insurance policy to protect your valuables and belongings. But you may be asking, is renters insurance worth it? The short (and long answer) is yes.

Read More

10 Tips to Save on Gas as Fuel Prices Increase

By Cell Brokerage | July 1, 2022

Are you frustrated at the pump with fuel prices? Is the current cost to fill up your vehicle hurting your wallet? If so, saving money on gas is probably a high priority for you in 2022. As auto insurance writers, we know a few things about saving money. Here are some surprising tips on how to save money without shopping around.

Read More

Jackware Cyberattacks Explained

By Cell Brokerage | June 1, 2022

Ransomware incidents entail cybercriminals compromising their victims’ computers or servers with malware and demanding large payments in order to restore the technology (as well as any files or data stored on it).

Read More

Ways to Protect Against Phone Scams

By Cell Brokerage | May 3, 2022

Are you getting a lot of phone calls or text messages from people you don’t know? Often, on the other end of the line is a scammer. And scammers use the internet to make calls from all over the world to steal money or personal information. For many people, scam calls are a source of anxiety or annoyance. To protect yourself, you can take steps to help stop scam calls.

Read More