No matter how good of a business owner you are, there are some things you can't prepare for. Weather disasters, like tornadoes. Cyber hacking. Even safety issues at work. Luckily, there are some steps you can take so that if and when something major happens, you're well-equipped:

• Know what you're at risk for, both in your part of the world and industry-wise. Once you identify potential issues, it's easier to create a plan to offset and potential breaches or losses.
• If you don't have General Liability Insurance and Property Insurance, obtain some. Most policies cover in-office injuries, weather disasters and more.
• Review what current insurance policies you do have, and fill any gaps in coverage. It's important that you also completely understand your policies, including deductibles, coverage limits and more.
• Back up all critical data and programs and keep it off-site. We recommend choosing a location at least fifty miles away.
• Protect vital business records in a safe that has been tested and certified as being resistant to fire, heat and burglary.
• Consider Cyber Liability Insurance, especially if your company handles sensitive client information. A lawsuit resulting from a data breach means your business is responsible for paying legal fees, settlements and more. Insurance could cover these expenses.

As always if you'd like to discuss your options when it comes to disaster planning, contact Schwarz Insurance today.