If you own a business, you know the importance of preparedness. You prepare for client meetings, taxes, presentations and so on. One of the hardest things to prepare for, however, is a disaster. It is easy to put disaster preparedness at the back of your mind, especially if a disaster is not happening presently. According to a survey the Red Cross conducted in 2009, 89 percent of those surveyed felt it is necessary to be prepared for a disaster, but only 12 percent had an emergency disaster plan in place. Just as your prepare a budget and ways to save money, preparing for a disaster can save your business thousands of dollars and assist with business continuity.

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Tornadoes and storms continued to pummel the South over the weekend, wreaking havoc in 25 North Carolina counties. South Carolina, Virginia and Maryland also issued scattered tornado reports. The North Carolina twisters claimed the lives of 21 people and seriously injured 130 throughout the state, and President Obama has already pledged his support to Governor Beverly Perdue.

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Any business can suffer the consequences of water damage. The Glendale News-Press reports that the Burbank Police and Fire headquarters suffered water damage after a construction contractor did not take “proper precautions” to ensure water would not damage the floor or interior of the jail.

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It is easy for a home or business owner to look for the cheapest insurance premium, sign on the dotted line and pay the minimum amount due. However, many do not realize is that they may not have sufficient coverage until they need to file a claim. Understanding the details regarding a commercial insurance policy can help ensure business continuity and get life back to normal faster.

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