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Risk Management Bulletin


By August 1, 2009No Comments

To follow up on the article “Is Your Workplace Disaster Ready?” in the previous issue of Reducing Your Risk, we’d recommend using this self-assessment checklist for business owners developed by the Institute for Business & Home Safety (IBHS).

“10 Questions: Is Your Business Ready?”

Your answers will help determine how well you handle an emergency:

  1. Are you concerned that a natural or human-caused disaster might disrupt your normal business operations?
    __Yes __No __Unsure
  2. Have you determined what parts of your business need to be operational as soon as possible after a disaster and planned how to resume those operations?
    __Yes __No __Unsure
  3. Do you and your employees have a disaster-response plan to help assure your safety and to take care of yourselves until help can arrive?
    __Yes __No __Unsure
  4. Could you communicate with your employees if a disaster occurred during or after work hours?
    __Yes __No __Unsure
  5. Can your building withstand the impact of a natural disaster, and are your contents and inventory adequately protected?
    __Yes __No __Unsure
  6. Are your vital records protected from the harm that a disaster could cause?
    __Yes __No __Unsure
  7. Could you stay open for business if your suppliers can’t deliver, your markets are inaccessible, or basic needs (water, sewer, electricity, transportation, etc.) are unavailable?
    __Yes __No __Unsure
  8. Do you have plans to stay open even if you can’t stay in or reach your place of business?
    __Yes __No __Unsure
  9. Have you worked with your community, public officials, and other businesses to promote disaster preparedness and plan for community recovery?
    __Yes __No __Unsure
  10. Have you consulted with an insurance professional to determine if your insurance coverage is adequate to help you get back in business following a disaster?
    __Yes __No __Unsure.

Results: Your score indicates how well-prepared you are for a disruption.

  • 7 – 10 Yes answers: You’re well on your way.
  • 4 – 6 Yes answers: You have lots of work to do.
  • 1 – 3 Yes answers: You should get started immediately.

Our risk management professionals would be happy to work with you in developing a disaster management plan tailored to your needs. Just give us a call.