Whether it be hurricanes, typhoons, cyclones or another type of windstorm – you never know when they'll hit. You just know they may. When the worst happens, small business owners are often in a world of hurt.

Windstorms can have a disastrous effect on your company. Small business owners have a lot to lose when damaging storms come through. Property damage and business interruption, are typically covered by insurance coverage, but time out of business can hurt your reputation, which can lead to a loss of market share.

Skyline Commercial Insurance wants you to be ready. So here is how you can prepare for a windstorm, so no such things occur:

  • Create a Plan: Write down exactly what needs to happen if a windstorm did hinder your business. Detail exactly who in your organization would be responsible for what. Assemble any emergency supplies that could be required. Then put together a list of contractors, vendors, and other services that could come in handy during an emergency.
  • Secure the Perimeter: Make sure the outside of your company is prepared for a storm. Fasten down any and all loose equipment. Move items indoors if needed. Remove any large trees or limbs that could damage any buildings in the area during a windstorm.
  • Take Care of the Roof: Next, you will want to inspect the roof. Make sure no repairs are needed. Your roof could take a lot of damage during a windstorm. You need to make sure it is in excellent shape.
  • Fuel Up: You don't want any fire pumps, generators, or company-owned vehicles to run out of gas during a time of emergency, so fill up all your tanks before the storm hits.
  • Protect Windows and Glass: Any window or door that has glass must be protected. Throughout your company, find any of these areas and attach pre-fitted windstorm shutters. This will seal your perimeter, which ensures no broken glass.
  • Protect Electronics: Your computers, machinery, and all electronics will be damaged if water reaches them. Right before the storm, try to cover all your electronics with a plastic tarp and move things to a safe location. Backing up data is also essential.
  • Watch for Chemicals: Do you have any chemicals on hand? If you store any type of chemical, you need to make sure they are properly and safely stored. If not, a storm could cause such chemicals to react in a violent manner if they come together accidentally.
  • Prepare for the Flood: Vulnerable openings around your building should be covered with sandbags. Electronics should be moved to a higher elevation and covered with a plastic tarp. Turn off the electricity in your building once the storm and flood are nearing.
  • Turn It All Off: If the storm is nearing, turn everything off. From electricity to gas lines to all flammable sources – make sure everything is off.

Understanding Insurance

After the storm has hit, you'll want to check your insurance policy. You'll need to check the type of coverage and level of coverage. Different events can be insured in different manners in certain locations. This includes landslides, tree damage, flash flooding, and more. As a small business owner, it is your duty to ensure your business is properly covered by any threat, especially windstorms.

You never know what damages might occur as a result of a powerful weather storm. Contact Skyline Risk Management, Inc. at (718) 267-6600 to evaluate your options and voice your concerns.