Propel provides innovative insurance solutions to thousands of companies across the country. We make it our business to know your world inside and out.
A natural disaster can knock a business out of commission for days, weeks or even longer. Take time now to identify the risks you face from a natural disaster, and to plan and prepare. Being proactive can help ensure you have the information and resources you need – and that your business can be back up and operational as soon as possible.
How to Prepare for a Natural disaster
- For senior care organizations, know your disaster risk, assess what could happen defined by a recent vulnerability assessment especially if operating in a new area or new state. For covered entities this is required annually.
- Review the disaster plan to confirm all partnerships are still valid for evacuation, shelter in place and mass casualty.
- Confirm your disaster, evacuation and sheltering in place drills are current.
- Outline a crisis management team at all levels with alternates assuring a backup for team members who can always be counted on.
- Make sure your communication plan includes secondary paths of internal and external communication if the primary is disrupted.
- Create a detailed list of vetted vendors for service reliability, repair, and damage mitigation.
- For senior care organizations, update the acuity level of population and inventory mobility aides. Consider customization needs of population.
- Familiarize your key team members on the claims reporting procedures.
- Know how and where to notify any required government agencies.
What to do if a Natural disaster Occurs
- Control the situation, restrict access except for emergency travel and emergency personnel and those you determine critical to the situation.
- Assess the immediate need to evacuate or shelter in place.
- Determine the number of injured persons or fatalities, extent of injuries if applicable, and keep list of hospitals of intake if more than one.
- Plan moves based on triage of injured, dangerous situations within and outside of the community.
- Designate the employee who will be the spokesperson for outside inquiries.
- Capture by photograph physical damage only if possible.
- If physical plant damage, only mitigate continued structural damage if possible.
- Notify your Propel agent, account manager, or claims advocate.
- Notify government agencies if applicable.