Keep Your Business Anchored in a Hurricane or Tornado

The summer of 2005 witnessed the worst hurricane in American history. Katrina caused catastrophic property damage and billions of dollars in lost revenue. Scientists warn that severe weather is on the rise due to climatic change. This is important for businesses to be aware of because statistics show that less than 75 percent of them fully recover after a disaster.

Hurricanes and tornadoes can't be avoided, but a far-seeing protection plan can save your enterprise from financial ruin.

Lost Property. And Lost Revenues.
A hurricane or tornado means more than just property damage: it can mean a lengthy disruption to your business's operations. When reviewing hurricane insurance, find out if your plan:

• provides for business interruption insurance to make up for lost revenue.
• covers income disruptions caused by damage not on your premises, such as power and telephone service outages.

This is important to discuss with your insurance agent, because the typical policy doesn't cover such disruptions. (See in the next section how Agility can fill in these gaping holes left by most plans.)

Flood Protection: Incomplete Coverage?
Although hurricane and tornado insurance often covers wind damage, rain damage, theft, vandalism and fire caused by a hurricane, most plans don't cover flooding. Flood insurance is often sold as a supplement to hurricane insurance. Make sure your business is covered for both.

You can find out about the National Flood Insurance Program through your local insurance agent or the Federal Emergency Management Agency: www.fema.gov

Documenting Your Loss
After a hurricane or tornado, it's your responsibility to substantiate your loss.

• Take photographs of your building from multiple angles both before and after a disaster
• Make inventories of damages to document your losses.
• Don't make any permanent repairs before an insurance adjustor can assess your damage. Otherwise, you may not be fully compensated.

Remember These 3 Steps
To better prepare yourself for a hurricane or tornado:

• Discuss with your insurance agent what's covered in your existing policy.
• Refer to the preparation guidelines outlined above and on the Storm Damage page.
• Consider a membership to Agility's ReadySuite.

Agility's ReadySuite: A Complete Mobile Recovery Unit
A membership with Agility's ReadySuite ensures you have a mobile office to keep your business running, even if your physical space is completely destroyed. You're provided with emergency space and equipment, including computers, servers, and satellite telephone and internet link-ups—all within 48 hours of an emergency declaration.

Stay Connected With Customers—Before They Connect With Someone Else
If your business is destroyed by a hurricane or tornado, insurance will pay to rebuild it. But how do you maintain operations while rebuilding? Most customers won't wait in the interim: they'll take their business elsewhere.

ReadySuite is a simple, turn-key solution that lets you continue operations without interruption, regardless of the circumstance. Take the guesswork out of ensuring business continuity in the wake of a disaster. With ReadySuite, continuity and peace of mind can be yours. All for an affordable $275 a month.

ReadySuite Is Virtually Risk-Free
If there ever was an event, most business interruption insurance policies will cover the cost of ReadySuite. (Verify that's the case with your provider.) That makes ReadySuite a virtually risk-free way to ensure your business survival.

Call to learn why ReadySuite has a 100% success rate—and how its mobile recovery solutions can be applied to your business. Your call will be returned in one business day.

Be prepared in the event of a hurricane. Learn more about Agility's ReadySuite.