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    Have a disaster plan in place

    As a business owner, you need to be prepared for the worst scenario to effectively manage risk. So think ahead and plan carefully.

    Here are a few helpful tips:

    • Make a detailed inventory should be done of your business property along with complete descriptions of your assets and goods. Employees should receive disaster training. Consider staging drills so everyone knows what to do, and how to properly report an incident. A standard incident reporting form is useful.
    • Photographs are the best way to record your damage and substantiate your claim. Put digital cameras in all vehicles. Have cameras available to clerks, managers, foremen, etc. and assign someone the responsibility of maintaining the cameras.
    • Consider whether surveillance cameras are right for your business, and make sure you keep digital records for at least 30 days.

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