OPERATE WITH A DISASTER PLAN

No business should risk operating without a disaster plan. While reports vary, as many as 40 percent of small businesses do not reopen after a major disaster like a flood, tornado or earthquake. These shuttered businesses were unprepared for a disaster; they had no plan or backup systems.

When you start to develop your disaster plan, consider three subjects: human resources, physical resources and business continuity. Think about how a disaster could affect your employees, customers and workplace. Think about how you could continue doing business if the area around your facility is closed or streets are impassable. Think about what you would need to serve your customers even if your facility is closed.

Start building your plan now.
Here are some suggestions your may want to consider:

• Keep phone lists of your key employees and customers with you, and provide copies to key staff members.
• If you have a voice mail system at your office, designate one remote number on which you can record messages for employees. Provide the number to all employees.
• Arrange for programmable call forwarding for your main business line(s). Then, if you can't get to the office, you can call in and reprogram the phones to ring elsewhere.
• If you may not be able to get to your quickly after an emergency, leave keys and alarm code(s) with a trusted employee or friend who is closer.
• Install emergency lights that turn on when the power goes out. They are inexpensive and widely available at building supply retailers.
• Back up computer data frequently throughout the business day. Keep a backup tape off site.
• Use UL-listed surge protectors and battery backup systems. They will add protection for sensitive equipment and help prevent a computer crash if the power goes out.
• Purchase a NOAA Weather Radio with a tone alert feature. Keep it on and when the signal sounds, listen for information about severe weather and protective actions to take.
• Stock a minimum supply of the goods, materials and equipment you would need for business continuity.
• Consult with your insurance agent about precautions to take for disasters that may directly impact your business. Remember, most policies do not cover earthquake and flood damage. Protect valuable property and equipment with special riders. Discuss business continuity insurance with your agent.
• Keep emergency supplies handy, including flashlights with extra batteries, first aid kits, tools and food and water for employees and customers to use during a period of unexpected confinement at your business, such as if a tanker truck over-turned nearby and authorities told everyone in the area to stay put for an extended period.

Invest in a guide to business continuity planning CD-ROM.