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Emergency planning for disasters, severe-seasonal weather, and recovery

Responding to the impacts of COVID-19 on your business

The outbreak of COVID-19 is causing chaos throughout the world at an unprecedented scale, and is creating numerous disruptions to every business. State Farm has compiled guidance and resources from several government and industry organizations to help small businesses adapt to the challenges of reopening and serving customers in new ways.

Wherever your business is located in the United States, you're likely exposed to one or more natural disasters every year. Would your business be prepared to handle the potential risk of a natural disaster - such as a hurricane, tornado, flood, wildfire, or earthquake – or even a man-made disaster, like 9/11/2001?

Here are some resources to help prevent some of the most common causes of business losses, which may help save your business time and money.

Preventive maintenance and emergency planning for your business

The Insurance Institute for Business & Home Safety® has developed a free, comprehensive business continuity toolkit to help you get started. Open For Business-EZ® is designed to help even the smallest businesses focus on planning for any type of business interruption, so they can quickly re-open and resume operations following a disaster.

Open For Business – Business Continuity Toolkit

Below are some additional free resources from IBHS and Hartford Steam Boiler to help you develop a plan for disaster protection and recovery, to better withstand the consequences of a business interruption.

Hurricanes, Before and After
Hurricane Disaster Preparedness
Pre-emergency plan and Recovery
Equipment Operation and Efficiency: Small Business Operations
Business Protection Lessons Learned 25 Years After Hurricane Andrew
Protecting Roof-Mounted HVAC Units From Severe Weather
How to Prepare for a Hurricane
Is Your Small Business Ready for an Emergency?
Severe Weather and Disaster Preparedness
Power Outage Preparation
Flood Recovery
Reducing Wildfire Risk

Winter weather guidance and preparation

When severe winter weather approaches, make sure your business is prepared for the impacts of snow, ice and freezing temperatures. Being proactive will help you respond to the severe weather effects on your building, business personal property and vehicles, equipment and the safety of your employees and customers. Below are some free resources to help you:

Preventing Building Damage from Ice Dams
Protect Your Business From Frozen Pipes
Preparing Your Business for a Severe Winter Emergency
How to Remove Snow From the Roof
What Winter Weather Means for Driving
Prepare Your Car for Winter With a Few Simple Tips
Winter Driving Tips

Spring and summer weather guidance and preparation

When volatile spring and summer storms are active, make sure your business is prepared for the impacts of lightning, high winds, tornados, hail and floods. Being proactive will help you respond to the severe weather effects on your building, business personal property and vehicles, equipment and the safety of your employees and customers. Below are some free resources from the Insurance Institute for Business & Home Safety (IBHS) to help you:

Reduce Lightning Damage to Businesses
Reduce the Risk of Tornado Damage in Commercial Structures
How to React During a Hailstorm and Tornado
Reduce Flood Damage to Businesses
Roofing the Right Way
Protecting Your Business from Hail
Large Commercial Door Wind Resistance Guide
Large Commercial Door Wind Resistance Checklist

Wildfire preparation and guidance

The Insurance Institute for Business & Home Safety® has developed several free, wildfire loss prevention resources and tools. While there are many things you can do to help protect your business from wildfire, these critical actions are essential to making a meaningful reduction in your company's risk. Together, these steps are the most important and can begin to give your business the best chance of survival.

Reducing Wildfire Risk - Commercial
Make Your Business Wildfire Ready
Prepare Your Business for Wildfire During COVID-19
Wildfire Ready Virtual App
Fire-Resistant Landscaping for Your Business
Business Pre-Evacuation Checklist

Protect your home from wildfire threats1

In Arizona, California, Colorado, Oregon and Washington, Wildfire Defense Systems, Inc. will help protect your property on behalf of State Farm – at no additional cost to you – if a wildfire puts your home in harm’s way.

Learn more

Simple Insights® by State Farm

Take advantage of what we've learned through the years in Simple Insights . Here, you can discover advice on safety, natural disaster planning, maintenance and repair, and more.

Business Disaster Planning

Create a business disaster plan to protect your employees, secure assets and resume operations.

Tips to Find a Quality Contractor

If your area got hit hard by recent storms, scammers may arrive offering repairs to your roof and other property damaged. Learn to spot them.

Wildfire Guide: What To Do Before a Wildfire

Tips to help you assess your risk and identify ways to help protect your home and family.


1 Available to State Farm homeowners and farm policyholders and subject to policy terms and conditions. This is not a guarantee that services will be dispatched or that damage from wildfires will be prevented or reduced.

The information provided herein was obtained through various sources. 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 any policy. State Farm makes no guarantees of results from use of this information. We assume no liability in connection with the information nor the suggestions made.

State Farm (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates) is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites hyperlinked from this page. State Farm has no discretion to alter, update, or control the content on the hyperlinked, third party site. Access to third party sites is at the user's own risk, is being provided for informational purposes only and is not a solicitation to buy or sell any of the products which may be referenced on such third party sites.