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There is a season for everything, and right now, as the year comes to a close, it’s the perfect time to make sure that the office building is in good shape to weather winter storms and colder weather (even in the Sunshine State!), and other forces of nature that may be in store in the coming months. Start by scheduling an appointment with a professional insurance agent to review coverage, as it should be expected to need periodic adjustments for office buildings insurance in Florida. Then, take steps to make sure preparations are underway to help ensure the winter season comes and goes without incident. Check the building—up, down, and all around Visually inspect the roof for any leaks, loose or missing shingles. Periodic maintenance should keep this in check, but it’s wise to keep a closer eye during the cold and rainy season since water intrusion can cause so much damage. Clear eaves of debris and built-up leaves to keep drainage flowing. Clear out storm drains and grates, and make sure water properly drains away from the building and in such a way that it does not create a slipping hazard in walkways. Check all the windows to ensure they are not leaking. Inspected windows for potential leaks? Make plans to preserve business continuity A storm or other event that results in an interruption of business activities can be not only costly but also financially devastating to employees and employers alike. Develop a plan in advance that enables the business to maintain critical activities in the event the office is forced to close for days or weeks because of a weather emergency or other extreme event. Such a plan can help limit the loss of income and customers, who might have to take their business elsewhere if they cannot receive what they need from their regular provider in time. To devise a business disaster plan, consider the following: Pinpoint key employees who perform tasks that are critical to operations. Identify the business functions that are central to operations, such as accounting, payroll, and (if applicable), shipping of inventory. Create a plan for working—even if on a small scale--in an alternate offsite location, if feasible. Identify employees who could work from home, and equip them with a computer and other office machines necessary to work. Establish and test how the business will maintain communications about the state of operations (for example, via a phone tree or social media platform). At least once a year, test the plan by conducting a dry run; adjust the plan as needed based on lessons learned from the test. Talk to a professional insurance agent about adding coverage for business interruption as part of a comprehensive approach to office buildings insurance in Florida.
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