Posts Tagged ' flood'

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One of the best Business Insurance Policies, that many Businesses Owners May Not Know About.

It happens more than you would imagine, and the phone call is enough to make your heart race. An alarm has been triggered at your business and the firetrucks and police on their way.  Or a water main has broken, or a wind storm has done damage to the roof.Fire, Flood, Wind, all the things that insurance was designed to protect your business from. Once the disaster occurs, your insurance policy will kick into action and claims will be filed, remediation and restoration will commence. But what happens when you cannot get your business back up and running quickly? What if the situation is out of your control, and it will take weeks before you can open your doors and welcome clients and customers again? How do you keep your staff members from departing, your bottom line solid, your bills paid and your business still floating (when depending on the source, 25% to 40% of all businesses that experience this kind of loss, close permanently?)  BUSINESS INTERRUPTION INSURANCE:  ...

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Beyond bread, milk, diapers and Duracell ... Are You REALLY Prepared?

PEOPLE FORGET... Immediately after September 11, 2001, individuals scrambled to prepare for the unexpected. We were so caught off-guard, that citizens began to squirrel away food, water, batteries and other essentials “just in case.” When Hurricane Sandy approached, residents scrambled and stocked up on frozen pizzas, milk, and flashlight batteries, only to have to toss out the spoiled and defrosted food after towns were plunged into darkness for weeks. You’ve seen it over and over. Every time a snowstorm is predicted to bury us under multiple feet of snow, the lines at Shop-Rite are out the door and a loaf of bread is nowhere to be found. We wait until we are on the edge of disaster and we “react” instead of “act.” To combat the confusion,  the Federal Emergency Management Agency (FEMA) has designated September as: "National Prepardness Month". This specific event was created in response to the 9/11 attacks and is meant to reach out to citizens and ...

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Don’t Let Hurricane Season Blow You Away

June 1st is the official beginning of the Hurricane Season. So far the Atlantic it has been experiencing a relatively calm period with no tropical cyclone activity expected in the Atlantic during the next 48 hours.  That can change drastically in the blink of an eye. One of the most important facts that I inform our policyholders (and that many people are unaware of) is that a Flood Insurance Policy has a 30-Day Waiting Period from date of purchase until the policy goes into effect. Many people delay obtaining a plan until they hear of an impending storm and at that point it can be too late. It is better to prepare now, and then get locked out. To learn more about your flooding risk and how to protect yourself and your business, visit the Federal Insurance and Mitigation Administration (NFIP) Web site, or call 1-800-427-2419. We can also help you to understand your risk at As the Boy Scouts of America always say &hell ...

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