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</div><main class="content"> <article class="post-113822 post type-post status-publish format-standard has-post-thumbnail category-operations category-running-the-office tag-hurricane-harvey tag-hurricane-irma tag-hurricane-maria tag-national-preparedness-month entry" itemscope itemtype="https://schema.org/CreativeWork"><header class="entry-header"><h1 class="entry-title" itemprop="headline">Could Your Business Survive the Next Hurricane Harvey?</h1>
<p class="entry-meta">By <span class="entry-author" itemprop="author" itemscope itemtype="https://schema.org/Person"><a href="https://www.allbusiness.com/author/rieva-lesonsky" class="entry-author-link" itemprop="url" rel="author"><span class="entry-author-name" itemprop="name">Rieva Lesonsky</span></a></span> | <span class="entry-categories">In: <a href="https://www.allbusiness.com/operations/" rel="category tag">Operations</a>, <a href="https://www.allbusiness.com/operations/running-the-office/" rel="category tag">Running the Office</a></span></p></header><div class="entry-content" itemprop="text"><span class="featured-image-span"><img width="300" height="235" src="https://www.allbusiness.com/asset/2016/03/Protection-from-disaster-300x235.jpg" class="attachment-newsletter-thumb size-newsletter-thumb wp-post-image" alt="Protection from disaster" /></span><div class="ssba ssba-wrap"><div style="text-align:left"><a data-site="email" class="ssba_email_share" href="mailto:?subject=Could%20Your%20Business%20Survive%20the%20Next%20Hurricane%20Harvey?&amp;body=%20https://www.allbusiness.com/business-survive-next-hurricane-harvey-113822-1.html"><img src="https://www.allbusiness.com/wp-content/plugins/simple-share-buttons-adder/buttons/simple/email.png" title="Email" class="ssba ssba-img" alt="Email this to someone"></a><a data-site="linkedin" class="ssba_linkedin_share ssba_share_link" href="http://www.linkedin.com/shareArticle?mini=true&amp;url=https://www.allbusiness.com/business-survive-next-hurricane-harvey-113822-1.html" target="_blank" rel="nofollow"><img src="https://www.allbusiness.com/wp-content/plugins/simple-share-buttons-adder/buttons/simple/linkedin.png" title="LinkedIn" class="ssba ssba-img" alt="Share on LinkedIn"></a><a data-site="" class="ssba_facebook_share" href="http://www.facebook.com/sharer.php?u=https://www.allbusiness.com/business-survive-next-hurricane-harvey-113822-1.html" target="_blank" rel="nofollow"><img src="https://www.allbusiness.com/wp-content/plugins/simple-share-buttons-adder/buttons/simple/facebook.png" title="Facebook" class="ssba ssba-img" alt="Share on Facebook"></a><a data-site="" class="ssba_twitter_share" href="http://twitter.com/share?url=https://www.allbusiness.com/business-survive-next-hurricane-harvey-113822-1.html&amp;text=Could+Your+Business+Survive+the+Next+Hurricane+Harvey%3F+" target="_blank" rel="nofollow"><img src="https://www.allbusiness.com/wp-content/plugins/simple-share-buttons-adder/buttons/simple/twitter.png" title="Twitter" class="ssba ssba-img" alt="Tweet about this on Twitter"></a><a data-site="print" class="ssba_print ssba_share_link" href="#" onclick="window.print()"><img src="https://www.allbusiness.com/wp-content/plugins/simple-share-buttons-adder/buttons/simple/print.png" title="Print" class="ssba ssba-img" alt="Print this page"></a></div></div><p>Hurricanes Harvey, Irma, and Maria are the latest natural disasters to grab headlines and wring hearts, but have you stopped to think about how your small business would deal with a similar crisis? From earthquakes and tornadoes to fires and floods, natural disasters can put your small business out of commission&mdash;and even out of business permanently.</p>
<p>Even a small-scale event, like an electrical short in your building that ignites a fire, can pose a threat to your business&rsquo;s survival. Since September is <a href="https://www.ready.gov/september" target="_blank" rel="noopener nofollow" class="external">National Preparedness Month</a>, I thought it&rsquo;s a good time to share some tips to help you develop your own business disaster plan.</p>
<h2>Step 1. Pinpoint potential risks</h2>
<p>What natural disasters are most likely to strike in your area? What natural or man-made disasters would have the most drastic effect on your business?</p><div class="allbu-article_bd ad-body" style="text-align: center; " id="allbu-1983384549"><div class="allbu-adlabel">Advertisements</div><script async src="//pagead2.googlesyndication.com/pagead/js/adsbygoogle.js"></script><ins class="adsbygoogle" style="display:inline-block;width:336px;height:280px;" data-ad-client="ca-pub-2905054723170537" data-ad-slot="9084662815"></ins>
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<h2>Step 2. Imagine impacts</h2>
<p>How would each of the above disasters affect your business? For instance, would it keep your employees from getting to work, prevent you from accessing key documents, or delay shipments of inventory? What would be the trickle-down effects&mdash;for example, if you can&rsquo;t get new inventory, would you still be able to make sales?</p>
<h2>Step 3. Plan your response</h2>
<p>Starting with the most likely disasters and those that would have the biggest effect on your business, develop plans for how you would continue operating even if that disaster occurred. For example, if your business is in a region subject to flooding, you&rsquo;d want to digitize important business data so you don&rsquo;t lose information to flooded file cabinets. Focus first on core functions of your business, such as the ability to serve customers, get paid, and pay your suppliers.</p>
<h2>Step 4. Prepare your technology</h2>
<p>Even if the disaster doesn&rsquo;t directly strike your business, a natural disaster nearby could keep employees from getting to work for days or even weeks. Implementing cloud-based software solutions that your employees can access wherever they are can help keep your business running despite disaster. You can also benefit from web-based videoconferencing tools so you can hold meetings from multiple locations. In addition to storing key information in the cloud, make sure your employees have the tech tools they need to work from home if necessary.</p>
<p><strong>RELATED: <a href="https://www.allbusiness.com/choosing-disaster-insurance-named-perils-policy-vs-all-risk-policy-2-3779078-1.html">Choosing Disaster Insurance: Named Perils Policy vs. All-Risk Policy</a></strong></p>
<h2>Step 5. Protect your people</h2>
<p>If a disaster strikes while you and your team are in the office, the safety of employees should be your first priority. Create plans for exiting the building and practice them. Develop an emergency org chart that identifies who is responsible for what step, such as making sure everyone is out of the building or calling the fire department. Is there a chance you and your employees could be stuck in the building for days? It&rsquo;s a good idea to maintain emergency water, food, flashlights, batteries, backup chargers, and hand-crank radios just in case.</p>
<h2>Step 6. Update your business insurance</h2>
<p>Your insurance agent can work with you to help pinpoint risks and make sure that you&rsquo;re adequately insured for the most likely ones. For example, many victims of Hurricane Harvey are only now discovering, to their dismay, that their insurance did not include coverage for floods. If you need special coverage, such as for earthquakes or floods, the time to find out is before disaster strikes. Then be sure you have digital copies of your insurance documents stored in the cloud and backup copies at home so you can access them to file claims after an emergency strikes.</p>
<h2>Step 7. Communicate quickly</h2>
<p>In a disaster, you&rsquo;ll need to communicate with your employees, customers, and vendors fast. As part of your emergency plan, either create a &ldquo;phone tree&rdquo; (or text tree) and task certain employees with alerting others what&rsquo;s going on, or use group texting or calls to do so. Maintain updated lists of contact information for your staff, customers, and suppliers. That way, you&rsquo;ll be ready in case you need to let all your employees know &ldquo;Don&rsquo;t come to the office this morning; it&rsquo;s flooded.&rdquo;</p>
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</div><section id="author-information"><div class="author-box"><img alt='' src='https://secure.gravatar.com/avatar/4d1ea67ba93b15c6db15704aeb11bfc1?s=120&#038;d=mm&#038;r=g' srcset='https://secure.gravatar.com/avatar/4d1ea67ba93b15c6db15704aeb11bfc1?s=240&#038;d=mm&#038;r=g 2x' class='avatar avatar-120 photo' height='120' width='120' /><div class="right"><h2 class="author-box-expert-profile">Expert Profile</h2><h4 class="author-box-title"><a href="https://www.allbusiness.com/author/rieva-lesonsky">Rieva Lesonsky</a></h4><div class="author-box-contact"><span id="author-box-contact-expertise-header">Areas of Expertise: </span>Small Business & Entrepreneurship<br /><span id="author-website-header">Website: </span><a style="text-decoration:underline;" target="_blank" href="http://www.smallbizdaily.com">http://www.smallbizdaily.com</a><br /><ul class="social-links"><li><a style="text-decoration:underline;" target="_blank" href="https://twitter.com/rieva"><img src="https://www.allbusiness.com/wp-content/themes/allbusiness/images/icon-twitter-author.png" /></a></li><li><a style="text-decoration:underline;" target="_blank" href="https://plus.google.com/111881068300905922498/posts"><img src="https://www.allbusiness.com/wp-content/themes/allbusiness/images/icon-gplus-author.png" /></a></li><li><a style="text-decoration:underline;" target="_blank" href="http://www.linkedin.com/pub/rieva-lesonsky/5/283/b78"><img src="https://www.allbusiness.com/wp-content/themes/allbusiness/images/icon-linkedin-author.png" /></a></li><li><a style="text-decoration:underline;" target="_blank" href="http://www.pinterest.com/rieva/"><img src="https://www.allbusiness.com/wp-content/themes/allbusiness/images/icon-pinterest-author.png" /></a></li><li><a style="text-decoration:underline;" target="_blank" href="https://www.facebook.com/SmallBizDaily"><img src="https://www.allbusiness.com/wp-content/themes/allbusiness/images/icon-facebook-author.png" /></a></li></ul></div><div class="author-description">Rieva Lesonsky is CEO of GrowBiz Media, a media and custom content company focusing on small business and entrepreneurship. Email Rieva at <a rel="nofollow" href="mailto:rieva@smallbizdaily.com">rieva@smallbizdaily.com</a>, follow her on <a rel="nofollow" href="https://plus.google.com/111881068300905922498/posts">Google+</a> and Twitter <a rel="nofollow" href="https://twitter.com/Rieva">@Rieva</a>, and visit her website <a rel="nofollow" href="http://www.smallbizdaily.com">SmallBizDaily.com</a> to get the scoop on business trends and sign up for Rieva’s free TrendCast reports.</div></div></div></section></main><aside class="sidebar sidebar-primary widget-area" role="complementary" aria-label="Primary Sidebar" itemscope itemtype="https://schema.org/WPSideBar"><div class="allbu-article_rh ad-xrcol" style="text-align: center; " id="allbu-622263815"><div class="allbu-adlabel">Advertisements</div><script async src="//pagead2.googlesyndication.com/pagead/js/adsbygoogle.js"></script>
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