(disaster) An earthquake, landslide or sinkhole.
(disaster) A flood.
(disaster) A tornado, hurricane or typhoon.
(disaster) A wind or hale storm.
(disaster) A fire.
(disaster) A blizzard, ice storm, or extreme cold.
(disaster) A drought or extreme heat.
(disaster) Any other type of disaster that forced you to close for at least 24 hours.
Over the last three years, what was the most costly type of natural disaster, including any fire, to strike your business even if you didn’t have to close, OR during that time haven’t you really experienced a disaster?
In terms of minutes, hours or days, how much warning, if any, did you have that this disaster might strike you?
What was the biggest problem the disaster caused your business? Was it:?
Did that disaster force your firm to close for at least 24 hours?
How many days was it before you were up and at least partially operating?
How many days was it before you were fully up and operating?
In hindsight, were you adequately insured, under-insured, or not insured for the sales lost while you could not operate?
In dollars, approximately how much physical damage did your business property suffer as a result of the disaster?
In hindsight, were you adequately insured, under-insured, or not insured for the physical damage done while you could not operate?
In the last three years, has your business been damaged by man-made disasters, such as civil disorders, terrorism, arson and so forth?
What type of man-made disaster was it?
In the last three years, has your business been damaged, including lost sales, by economic disruptions such as road construction or repair, urban renewal and so forth?
Did the authority causing you the damage notify you directly of its plans at least 90 days in advance?
Do you have an emergency preparedness plan in the event of a man-made or natural disaster?
Have you talked to your employees about the plan and its contents?
(emergency preparedness) Store a copy of your most valuable records off-site.
(emergency preparedness) Have a telephone tree to contact employees at home quickly.
(emergency preparedness) Have a person other than yourself who can shut-down the facility, including turning off switch boxes, water, gas, and equipment.
(emergency preparedness) Keep a separate emergency contact list, such as police, fire, hospital, building manager, etc.
(emergency preparedness) Have on-site a portable radio, tool kit, flashlight, first aid kit, bottled water, etc.
(emergency preparedness) Keep a list of back-up vendors should a disaster strike an important vendor.
(emergency preparedness) Have a back-up plan should customers not be able to reach your business.
(emergency preparedness) Contact your local or state emergency preparedness office in the last three years to determine the types of disasters common in your area as well as other pertinent information.
(emergency preparedness) Periodically inspect the facility for potential disaster hazards such as loose, heavy objects in earthquake-prone areas, excess brush in wildfire-prone areas, or inventory on the floor in flood-prone areas.
Do you annually review your insurance policies to determine what types of disasters, natural and man-made, are covered and not covered?
In the last three years, have you lost electric power to your principal business location for 24 hours or longer?
Was the most recent loss of power caused by a storm or some other situation?
Have you experienced a situation in the last three years where a loss of power was not caused by a storm?
Within the last three years, have you experienced rolling brown-outs, that is, electric power is shut down in an area for a time, turned on, and shut down somewhere else?
Does your principal business location, whether or not you own it, have a back-up generator?
Within the last three years, has a computer virus infected your business computer or computer system damaging it or its contents?
(damage from computer virus) Have to purchase new equipment.
(damage from computer virus) Lose a substantial number of documents.
(damage from computer virus) Have to hire an expert to get rid of the virus and get things back to normal.
Do you have anti-virus software on your compurer system, such as Norton, Macafee, or VirusScan?
In what year was it last updated?
Do you or a designate regularly download software patches to reduce your software vulnerability?
Do you use surge protectors on all of your business computers to protect them from power spikes?
Volume 4, Issue 5, 2004
ISSN - 1534-8326
William J. Dennis, Jr.
NFIB Research Foundation
NFIB's mission is to promote and protect the right of our members to own, operate and grow their businesses.
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