Small businesses suffer disaster every day. Some are due to carelessness, some are acts of God, and some are the result of crime. Whatever the cause, the important thing is that you are prepared to handle it, come what may. Is your business prepared for disaster?
This is first and foremost when it comes to disaster preparedness. Make certain that all systems are backed up regularly with storage off site. The goal is to be able to operate the business if at all possible. For example, depending on the service offered, would it be possible to operate at a temporary site if a flood, fire, or some other disaster occurred given that you had all of your files and systems backed up? Generally, it is a good idea to back up every night and transport the backup to a bank box or at least an offsite safe at the end of the day.
Have a Plan
Have a plan for disaster recovery and make sure all employees are trained for execution of the plan. Where will everyone meet? What phone calls need to be made? Who will handle insurance, calling clients, and set up at the temporary location? Be detailed and deliberate, making certain each person know what to do and that each task is covered. Everyone should know who and where to report to.
Practice, Practice, Practice
There are several ways to go about this, but one of the most effective is to allow everyone to show up one day and have the door locked, unexpectedly. The worst has happened and now they have to put the disaster preparedness plan into action. Maybe there was a flood, or a fire, or a tornado. Whatever the case, there is no way to operate in this building. See how everyone does. Would it work? Is the plan executed smoothly or is everyone scrambling to figure out what needs to happen, in what order, and who needs to do what? Take notes and use what you learn to improve.
SBA Loans for Disaster
In worst case scenarios, there are SBA Loans available to help. Disaster loans are designed, based on the amount and type of damage among other things, to help businesses recover and continue to thrive and grow despite disaster. Biz2Credit offers business owners help in finding lenders that offer these types of loans so they can get the business up and running after disaster. Visit Biz2Credit for more information.