Natural Disaster Planning for Your Business

Is Your Business Prepared for a Natural Disaster?

Man at a work table

As a business owner, you know there are challenges you can anticipate and others that hit with little or no warning. Don't let a natural disaster catch you unprepared.

Here are some disaster preparedness steps you can take to protect your employees, secure your assets, and get your business back up and running in the event of a natural disaster:

Protect your employees

The safety of all onsite employees and visitors should be your first priority:

  • Take time to plan evacuation routes and exits from your facility and mark them.
  • Install proper emergency lighting to help show the way in case of power failure.
  • Designate staff 'safety wardens' to guide and assist any emergency efforts, including regular drills.
  • Identify appropriate shelter spaces in your facility for emergencies that may require them. Make sure spaces are kept clear of items that would limit their capacity or safety.

For more information about emergency safety procedures, visit the Federal Emergency Management Agency (FEMA).

Secure your assets

Effective disaster preparedness means protecting your critical business assets. These may include your facilities, equipment, software, and data. Depending on where you're located, there may be measures you can take to shore up your facility against natural disasters:

  • Contact a qualified contractor to discuss risk mitigation construction techniques for your building or office.
  • As an added precaution, you may also want to research places where you could temporarily relocate your operations if disaster strikes.
  • Maintain a comprehensive, up-to-date inventory of the items and equipment used in your business. Consider videotaping these assets and storing both the inventory and video in a safe location away from your business.
  • Institute regular backup procedures for critical software and data to help ensure your business maintains access to the digital infrastructure it needs.

Get up and running

Following the disaster, you'll want to resume business as quickly as possible:

  • Keep a name and telephone number list of contractors or repair firms who could make emergency temporary repairs or board up windows should some of your buildings be damaged.
  • Maintain a list of key suppliers, creditors, customers, and employees you need to contact about the state of your operation.
  • Construct a financial plan to cover continuing payroll expenses and debt obligations.
  • Work with a local advisor, such as your State Farm® agent, to create a disaster and recovery plan that works best for your particular business.


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The information in this article was obtained from various sources not associated with State Farm®. While we believe it to be reliable and accurate, we do not warrant the accuracy or reliability of the information. These suggestions are not a complete list of every loss control measure. The information is not intended to replace manuals or instructions provided by the manufacturer or the advice of a qualified professional. Nor is it intended to effect coverage under our policy. State Farm makes no guarantees of results from use of this information.