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Inadequate insurance coverage can lead to major financial loss if your business is damaged, destroyed or simply interrupted for a period of time. Insurance policies vary, check with your agent or provider. The Insurance Discussion Form can help guide the conversation.

  • Meet with your insurance provider to review current coverage for such things as physical losses, flood coverage and business interruption. Understand what it covers and what it does not.
  • Understand what your deductible is, if applicable.
  • Consider how you will pay creditors and employees.
  • Plan how you will provide for your own income if your business is interrupted.
  • Find out what records your insurance provider will want to see after an emergency and store them in a safe place.

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- Insurance Discussion Form

 

Your employees and co-workers are your business's most important and valuable asset. Learn what people need to recover after a disaster.

Equipment

The force of some disasters can damage or destroy important equipment. Conduct a room-by-room walk-through to determine what needs to be secured.

  • Attach equipment and cabinets to walls or other stable equipment.
  • Place heavy or breakable objects on low shelves.
  • Move workstations away from large windows, if possible.
  • Elevate equipment off the floor to avoid electrical hazards in the event of flooding.
  • Know your Heating, Ventilation, and Air-Conditioning (HVAC) system well. Develop and practice shut-down procedures for the HVAC system.
  • Secure outdoor air intakes. HVAC systems can be an entry point and means of distributing biological, chemical and radiological threats. Be sure any security measures do not adversely impact air quality or fire safety.

Every computer is vulnerable to attack. Protecting your data and information technology systems is critical and may require specialized expertise. Depending on the particular industry and the size and scope of the business, cyber security can be very complicated. However, even the smallest business can be better prepared.

The consequences of such an attack can range from simple inconvenience to financial catastrophe. While a thief can only steal one car at a time, a single hacker can cause damage to a large number of computer networks and can wreak havoc on both your business and the nation's critical infrastructure.

  • Back up your computer data.
  • Use anti-virus software and keep it up-to-date.
  • Change passwords frequently.
  • Unless you really need the ability to share files, your best bet is to do away with it.
  • Use hard-to-guess passwords. Passwords should have at least 8 characters with a mixture of uppercase and lowercase letters as well as numbers.
  • Make sure your co-workers know what to do if your computer system becomes infected.