Last year, there were 14 severe weather and climate events that the NOAA National Centers for Environmental Information says cost $1 billion or more. There have been six such events already this year. Since restaurants can be impacted by severe weather events both directly and indirectly, it pays to make sure you have sufficient insurance protection in place as part of your disaster preparedness plan — not to mention your day-to-day operating plan. Your insurance cover needs to consider your business type, geographic region and the outcome of the risk assessment you conduct to identify your restaurant’s greatest vulnerabilities. Your commercial property insurance policy, for example, likely will not cover any vehicles your restaurant operates or protect against flood damage your business sustains during a hurricane. And even if your property or vehicles make it through a severe weather event unscathed, toppled trees or flooding on your street could make it impossible for you to get food to customers. Make sure you review your insurance policies for commercial property, flood protection and business interruption to make sure you’re not leaving your business exposed. Purchasing insurance cover from companies that specialize in the restaurant industry can help. Just make sure you read the fine print carefully — especially on bundled packages that offer broader cover for a lower total price but may exclude specific risks you need to protect against.
Hurricane season is here, and if you haven’t done so already, it’s high time to review your emergency response plan to make sure you can manage potential business disruptions that may come your way. Statefoodsafety.com suggests listing potential threats, ranging from power outages to food or water contamination, so you can build a simple but useful response plan from them — your local authority can help you create it. Assign roles to key employees and ensure every employee knows who handles various tasks. Establish talking points so your team communicates the same clear, calm message to customers. Post a list of emergency contacts (and also provide it to employees) so your team knows who can help in an emergency. Finally, protect your food and water supply. Establish a plan to keep food cool by keeping the refrigerator door closed when you can, storing ice in the refrigerator or freezer to keep temperatures down, or securing access to a refrigerated truck. Consider keeping an emergency supply of water and developing a separate menu that requires less water for preparation so you can still operate when your supply is threatened.
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