Severe weather claims have been increasing, and 2024 is likely to continue the trend. We have already seen destructive tornados, and the hurricane season is predicted to be unusually active. Severe convective storms bring heavy rain, lightning, high winds, hail and tornados and cause significant injury to employees and damage to infrastructure.
Travelers risk control has a preparedness guide for business resilience. Every business needs a targeted plan tailored to its unique vulnerabilities, but common elements apply to every business.
- Identify specific weather-related risks at your location(s). Depending on your location, these could be flood, tornados, hurricanes or a combination. Use weather monitoring services for severe weather threats.
- Assess your property's vulnerability to severe weather events. Regularly inspect for loose roofing materials, damaged windows or structural weakness. Trim trees and secure outdoor property. Reinforce building and roof with wind and impact resistant materials. Maintain clear gutters and drains. Install flood barriers around entrances and critical infrastructure. Install surge protectors for critical electronic equipment.
- Evaluate potential effects on your workforce. Have clear safety protocols and safe shelter locations. Conduct training sessions on evacuation routes and communication during a weather emergency. Insitute an emergency communication system.
- Consider impacts on property accessibility, emergency response, supplies and power. Have backup power and data storage systems. Have alternate suppliers and contingency plans.
- Secure valuable or weather-susceptible materials. Anchor outdoor equipment.
- Plan for post-storm recovery and cleanup. Have a business continuity plan.