By at 9 September, 2021, 11:55 am


While the information on is geared to preparedness by individuals and families, it’s a good reminder for businesses to make plans too. The following information is drawn from several prior blogs on this subject.

Why you need to prepare now

It’s been repeatedly reported (and attributed to the American Red Cross or FEMA) that 40% of small businesses never reopen after a disaster. Unfortunately, disasters can strike any business anywhere. While hurricane season is on my mind (because I’m in Florida), there are many other disasters, including wildfires (in the West), flooding (in many Gulf states and along the East coast), and riots and civil unrest (as seen this year in cities such as Portland, OR, Chicago, and Minneapolis).

Use a 4-step approach

I’ve created this approach by cobbling together information from various resources. Much of this is common sense and giving considerable thought to “what if’s.” The key to the 4-step approach is actually doing it. Adapt the steps to your situation.

Step 1: Protect your people

Educate your staff about your disaster plans and be sure they are included in necessary actions. Advise them about contact information (e.g., a non-public page on the company website) for special instructions during a disaster. Suggest they make disaster preparedness plans for their family. And think about special needs in your workplace. For example, be sure there are arrangements to assist employees with disabilities (e.g., helping a wheelchair-bound employee out of the building when there’s no electricity for an elevator).

Also consider training staff (those who want to do so) on CPR and basic first aid—and do practice drills simulating disaster situations.

Step 2: Protect property

Do what’s needed for your property. This may include having a generator to keep electricity going so that food (e.g., for a deli or convenience store) does not spoil. One business owner I know put his copiers and other equipment into shrink wrap when a hurricane was imminent.

Check the extent of your property coverage under your business owners policy. Since you last obtained coverage, you may have acquired new, expensive, equipment, machinery, or other property. Be sure this and other needs are adequately insured. Review flood insurance coverage for your business. FEMA’s National Flood Insurance Program provides coverage for businesses up to set limits for a building and contents. Private coverage may be desirable for greater protection.

Step 3: Protect important documents and information

Information that isn’t stored in the cloud should be backed up regularly (as if you didn’t know this). Paper documents should be protected in waterproof containers (e.g., ziplock bags); scan images of these documents for extra protection in case the originals are nonetheless destroyed.

Step 4: Keep a preparedness checklist handy

This avoids the need to “think” in the midst of confusion caused by an incident; you just follow the actions in your checklist. Also be sure to have key numbers in your contact list, including:

● Small Business Administration (SBA): 800-359-2227

● FEMA: 800-621-3362

● Your insurance company and agent’s contact information

Tap into numerous resources for help in planning

Many government agencies, organizations, and private companies offer templates and other guidance on crafting your own disaster preparedness (and recovery) plan. Some of these include:

American Red Cross


Insurance Information Institute






The Hartford

U.S. Chamber of Commerce


Final thought

On a personal note, I can attest to the trauma of a disaster and have since followed the steps listed above. I’ve had some serious hurricane experience. I was at my mom’s house in 1992 during Hurricane Andrew. And I experienced Hurricane Sandy up close and personal (I was without power and out of business for 11 days, and I also broke my foot the day after the storm when I went out to see the damage). Hurricanes are no fun, but they—and other disasters—happen. Again, be prepared.

Barbara Weltman is a member of SBE Council’s advisory board, and has been a leading consultant for small businesses of every kind for over twenty years. She’s the founder of Big Ideas for Small Business® and has written numerous books on small business operations, including J.K. Lasser’s Small Business Taxes, Complete Idiot’s Guide to Starting a Home-Based Business, and The Rational Guide to Building Small Business Credit. Follow Barbara on Twitter @BigIdeas4SB.


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