Learning Center

Natural Disaster Plan

Assess and plan for natural disaster risks.

"By failing to prepare, you are preparing to fail."
-Benjamin Franklin

lightning storm over city

Planning for natural disasters could be crucial to your company's bottom line, and its survival.

Why? Consider the following: at least 25 percent of small businesses that close due to disasters never reopen, according to the Insurance Institute for Business & Home Safety (IBHS).

Before developing a business disaster plan, evaluate your regional risks. For example, some regions are more prone to tornadoes, while others are susceptible to wildfires or earthquakes. The likelihood of disaster risks will affect how you plan for them.

To identify the disaster risks in your area, IBHS offers a user-friendly online evaluation tool. Simply visit the IBHS homepage and enter your ZIP code in the map that looks like the one below. The results will include information on how to mitigate your area's risks.

You may also want to use the IBHS Open for Business® toolkit (PDF), a free program designed to help small- to mid-sized businesses develop business continuity and property protection plans.

The program is comprised of eight 15- to 25-minute multimedia training sessions, including planning worksheets, disaster recovery tips and more.

These recommendations follow generally accepted safety standards. Compliance with these recommendations does not guarantee that you will be in conformance with any building code or federal, state or local regulations regarding safety or fire. Compliance does not ensure the absolute safety of you, your operations or place of business.

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