How to create an emergency preparedness plan for your small business

Owning a small business comes with a lot of responsibility. Between balancing employees, maintaining your property, and protecting your business from liability, you have a lot on your mind. In our Canadian climate, small-business owners also must contend with severe weather that can throw some serious curveballs, introduce unique safety risks, and disrupt operations. That’s why it’s smart to have an emergency plan ready to go. So, let's dive in and ensure you're prepared for whatever comes your way.

1. Know your risks. Check out your local government’s website for more information about potential hazards for your region. This will help you tailor your plan to whatever threats you’re likely to face.
2.  Make an evacuation plan. Now that you’ve got an idea of what you might need to prepare for, it’s time to figure out how to react to an emergency. Here are some key things to include in your evacuation plan:
   • Keep a list of important contacts, both business and personal, in a safe place —  think employee cell numbers, your insurance broker, and key suppliers. Make sure this list is also digital so you can access it from anywhere.
   • Figure out a few different ways to get out of your building or area. If one road is blocked, you’ll need backup options. Make sure you practice these routes with your team.
   • Devise a foolproof communication system. How will you reach your employees and customers? Do you have a text message alert system? Maybe a group email list? Make sure to test this beforehand.
   • Decide where your team will meet or relocate to in an emergency.

   Help protect your small business and your employees when a natural disaster strikes by having a plan in place before you need it.

3. Prep your emergency kit. A well-stocked survival kit is another must-have. Think of this kit as your go-to bag for your business. Keep it in an easily accessible spot and make sure all employees are aware of its location. Here’s what to stash in it:
   • First-aid kit, with all the usual bandages, antiseptics, painkillers, and anything else specific to your team.
   • Flashlights and batteries, just in case there is a power outage.
   • Bottled water, since it’s easy to store and lasts a long time. Have several days’ worth available if you can.
   • Non-perishable food, like granola bars, canned goods, and anything else that doesn't require cooking. Don’t forget a manual can opener.
   • Digital or hard copies of key business documents stored in a durable and water-proof container designed.
   • Phone charger or power bank so you can still reach people, even in a power outage.
4. Protect your business from a variety of threats. It's not just about staying safe; it's about protecting your livelihood. Here are a few ideas:
   • Keep digital files backed up on the cloud or on a separate hard drive to make sure all your data is secure.
   • Review your insurance policy to make sure you have sufficient business interruption coverage for natural disaster events.
   • Make sure you can easily move your equipment to a safer location during a flood or other emergency.
5.  Practice your emergency response plan. Don't just put your plan together and forget about it. Test it out! Run a practice drill every now and then, so your team is familiar with it. It’ll help you find any gaps in your plan and help you practice your reaction strategies, so you know how to proceed should an emergency occur.

Creating an emergency plan for your small business might feel like an extra thing on your plate, but it doesn’t have to be overwhelming. A bit of preparation now will help you roll with whatever Mother Nature throws your way and help keep your business afloat when the storm passes.

Reach out to your licensed insurance broker to review your current coverage and make sure your business is protected in the event of a natural disaster.

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