While you hope disaster never strikes, it always pays to be prepared. A few simple steps can help you make the best of a terrible situation, should your Post ever experience a natural disaster or extreme weather.
Your buildings are likely your Post’s biggest assets, and can also be the most costly. With these tips, your Post will be better prepared and protected.
How to Prepare Your Post:
– Risk Assessment – Start by evaluating the natural disasters that your Post is vulnerable to and protect against them. For example, if your Post is in Florida, you likely do not need coverage for earthquakes, but definitely need hurricane insurance, depending on your location.
– Invest in Appropriate Insurance – After assessing the risks your Post faces, get the appropriate coverage in place. Also consider Business Interruption Insurance, which covers the loss of income should your Post experience a disaster.
– Develop a Disaster Plan – Natural disasters are unexpected, but there are many ways you can prepare in advance.
- Set up an emergency response plan and share it with employees. Document the plan and practice it regularly.
- Will you need a back-up source of power, water or food? Consider the supplies you may need in the event of a disaster and stock them.
- Keep duplicate records, or invest in software that will backup essential, sensitive documents.
- If there is time before the disaster strikes, prepare your Post. Forward calls from your desk phone to a mobile phone, move equipment to a secure location, make sure electronics are unplugged, put sandbags around your building, etc.
- Decide how members will be notified of any potential delays, and who will be the point of contact for client communications.
– Stay up-to-date – Your Post’s risks will change over time. Review your Post’s needs and insurance policies yearly to ensure you have the right coverage.
Learn more about preparing your Post at PostInsuranceProgram.com, or contact us today at 800.669.9944 or PostInsurance@LocktonAffinity.com.
Coverage may not be available in all states and is subject to actual policy terms and conditions. Coverage may be provided by an excess/surplus lines insurer which is not licensed by or subject to the supervision of the insurance department of your state of residence. Policy coverage forms and rates may not be subject to regulation by the insurance department of your state of residence. Excess/surplus lines insurers do not generally participate in state guaranty funds and therefore insureds are not protected by such funds in the event of the insurer’s insolvency.