How to safeguard your business against flooding

How to protect your business from flooding.

The last thing business owners want to worry about is keeping their business safe during natural disasters. After all, it seems so daunting to have to plan for floods and fires at the same time that you're planning future budgets and sales projections. Being prepared for every emergency, though, will ensure that should a natural disaster ever occur, you already know what needs to be done to keep your business and inventory safe from damage. Although a lot of work is needed to ensure both your safety and that of your business's, you can use this guideline to get started with the process today. Next time your area is hit by something like a massive flood, you'll be glad you didn't put off preparation.

Emergency kits
Everyone knows they should have emergency kits in their home, but having one in your business can be just as important, or even more so. Well-stocked emergency kits will have first-aid supplies, including bandages and antibiotic creams, medicines, trauma scissors, and anything else you could need if you get hurt or sick. You also need to stock emergency supplies like bottled water, freeze-dried food, and a blanket just in case you're stuck in a flood for longer than is comfortable.

It might be a good idea to stock your emergency kit with a change of clothes, a battery operated radio, copies of important paperwork like your state ID and business license, and a list of phone numbers in case you don't have access to the phone book on your smartphone.

Preparing your business
As Small Biz Trends suggested, when you've been notified of a flood warning in your area, you should prepare by moving most of your inventory and supplies to top floors of a building or top shelves. Move the more expensive items first and then fill in any spaces with less cheaper products. You want to avoid as much damage as possible by placing as many items as possible on the highest shelves and rooms in the business.

Keep your inventory stocked with most valuable products on the top shelves regularly so less work needs to be done before a big rain.

Say on top of the news 
Continue watching flood news throughout the day if a big storm is on the way, and subscribe to updates through your favorite news station or weather channel. Knowing exactly when to expect severe rains will help your business be more prepared. These warnings will let you know when you should lock up your business and send your employees home, or when it's time to stay put and wait out the storm.

Be sure you have proper insurance
Although you probably checked and double-checked your insurance plan before you signed, you might consider checking it again. According to Disaster Safety.org, most insurance plans don't cover damage caused by flooding by default. If your insurance doesn't already cover those damages, you might want to consider talking to your insurance agent to boost your insurance soon. Of course, during a flood warning, it might be a little late to try to add additional protection to your policy, but if you can take care of that before a flood is about to happen, your damaged business assets will be covered.