Inclement weather and other natural disasters are inevitable, but business owners should take significant steps to properly prepare personnel and structures before catastrophes unfold. Reduce the risk of damage by implementing the right procedures and verifying necessary coverage.
Employers are responsible for the health and safety of their workers. The Occupational Safety and Health Administration (OSHA) requires employers establish written emergency action plans. Employees must be made aware of such plans and have an understanding of procedures
- for reporting a fire or other emergency;
- for emergency evacuation, including type of evacuation and exit route assignments;
- to be followed by employees who remain to operate critical plant operations before they evacuate;
- to account for all employees after evacuation;
- to be followed by employees performing rescue or medical duties; and
- the name or job title of those who may be contacted for more information about the plan or an explanation of their duties under the plan.
Employers with ten or fewer employees may communicate action plans orally. OSHA also outlines how workplaces can adhere to the agency’s emergency standards. If your organization’s emergency action plan doesn’t check all the necessary boxes, consult with a trusted risk advisor to strengthen your preventive strategies.
The belief that the best defense is a good offense reigns true in business protection, but when safeguards fail, the right insurance is a lifeline. Gaps in coverage leave your business liable for damages and can implode your organization’s financial security. Evaluate your policies to ensure that often overlooked components, like flooding from storm damage, septic systems, and lost income from natural disaster-related interruptions are covered. Bukaty Companies Property & Casualty is adept in ensuring businesses of all sizes and industries have the unique coverage necessary to extenuate financial damage.
