Capitol City Insurance Blog

Every time you have to shut your business down early, you lose money. Sometimes Mother Nature makes doing just that a necessity. Closing your doors when a tornado is predicted can help protect your life as well as lessen the expenses your Texas business insurance will have to cover. Before you shoo out your customers, it is vital to understand the two types of alert that are issued – the first being a ‘tornado watch’ and the second a ‘tornado warning’.

A tornado watch is usually the first alert and is given when prevailing weather conditions make tornado formation highly likely, while a tornado warning isn’t given until a tornado funnel appears to be forming or has been sighted. How can you prepare your business for such unpredictable and erratic weather events?

• Establish a workplace shelter if this is possible; if it isn’t, settle on a suitable place where workers and visitors could take shelter in the event of a Tornado.
• Educate your employees on the difference between the tornado watch and warning alerts.
• Have a good first aid kit and one or more fire extinguishers on the premises and ensure everyone knows where they are.
• Ensure that several people know how to turn off the electricity and gas if necessary.

One last tip that can benefit every business owner when heeded is to review your Texas business insurance, preferably before the big one hits. You need to make sure that you have enough protection to completely cover the costs of repairing, replacing, and rebuilding your business and its contents. Are you lacking adequate coverage? Find out by contact one of our insurance specialists today.