CF Wildfire Business Continuity Workbook FINAL Business-Continuity... · This workbook will help...

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TableofContents

About this Workbook: ............................................................................................ 4WhatisaBusinessContinuityPlan?..................................................................................................5

Howtousethisguide...........................................................................................................................5The Process .............................................................................................................. 7

Step 1: Collect Key Business Information ................................................... 8Step 2: Risk Analysis ......................................................................................... 8Step 3: Business Impact Assessment ........................................................... 8Step 4: Risk Reduction - Mitigation & Preparedness ................................ 9Step 5: Hazard Action Plans ............................................................................ 9Step 6: Test & Update ........................................................................................ 9

Potential Hazards ................................................................................................. 21Hazards and Probability for Your Business ................................................... 28Key Business Functions and Assets ............................................................... 30Risk Analysis .......................................................................................................... 32

Business Impact Assessment ................................................................................ 34Risk Reduction – Mitigation and Preparedness .................................................. 38

EnvironmentalHazardStrategies:................................................................................................39

OperationalHazardStrategies:.....................................................................................................41

SecurityHazardStrategies:............................................................................................................43

HumanResourceHazardStrategies:...........................................................................................44Insurance ................................................................................................................. 46Hazard Action Plan Template ............................................................................. 51Practice Your Plan ................................................................................................. 57

Crisis Communication Plan .................................................................................... 59

Evacuation Guide .................................................................................................... 70

Emergency Responder Package ............................................................................ 72

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LIST OF TABLES & TEMPLATES Vital Business Information Contact Sheets ..................................................... 14

TABLE 1: Recent Hazards in BC and Probability Ranking ............................. 29

TABLE 2: Recovery Time Objective (RTO) Scores ........................................... 30

TABLE 3: Critical Business Functions and RTO Scores ................................ 31

TABLE 4: Potential Impacts and Severity ........................................................ 33

TABLE 5: Hazard Risk Assessment .................................................................. 37

TABLE 6: Insurance Company Information ..................................................... 49

Hazard Action Plan Template ............................................................................ 52

Crisis Communication Plan Templates ............................................................ 63

BVTiness Map for Emergency Responders ...................................................... 73

APPENDIX A: Business “Grab and Go” Kit Checklist .............................. 76APPENDIX B: BC Disaster Financial Assistance Information ................... 77APPENDIX C: Home-Based Business Information ....................................... 78

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AboutthisWorkbook:Thisworkbookisintendedtohelpbusinessesthinkaboutwhatkindofriskstheyfaceandwhatstepscanbetakentohelpaddresstheserisksbeforetheyhappen.Thegoalistohelpbusinessescreateanextremelypracticedocumentwhichwillbeinvaluableinanemergencysituation,butalsohelptoreducetheirriskexposurebeforehand.

Thebusinesscommunityin your regionisdiverse;therefore,variousriskswillaffecteachbusinessdifferently.ThisiswhyitisvitalthateachbusinesscreatestheirowncustomizedBusinessContinuityPlan,thereisno“onesizefitsall”solution.Thisworkbookwillhelpbusinessownersachievethisgoalbyfirstanalyzingtheirownbusinessandthenbuildingstrategiesthatmatchtheirriskexposure.

ExperiencehasshownthatbusinessesthattakethetimetocreateaBusinessContinuityPlanfaremuchbetterinemergencysituations.ABusinessContinuityPlanisaninvestmentinthefutureofyourbusiness.

“An ounce of prevention is worth a pound of cure”

– BenjaminFranklin

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WhatisaBusinessContinuityPlan?ABusinessContinuityPlanisaplanthatfocusesontheabilityofabusinesstoprepareforandrespondtounexpecteddisruptions.Thegoalofthisplanistoprotectemployeesandassetssothatabusinesscancontinuetooperate.

Whyisitimportant?EmergenciesanddisastersareunavoidableandarehappeningmoreandmorefrequentlyinBritishColumbiaandelsewhere.Althoughitisimpossibletopredictwhatwillhappeninthefuture,itispossibletousethebestavailableinformationnowtomakeaplantohelpreduceanynegativeimpactsonyourbusiness.

Well-preparedbusinesseshavebeenproventofaremuchbetterthroughandafteradisasterbecausetheyhavealreadyconsideredthepossibleimpactstotheirbusinessanddevelopedstrategiesaheadoftimefordealingwiththem.

HowtousethisguideTherearefivestepsoutlinedinthisguidethatwillhelpbusinessestoidentifythemostprobableriskstheyface,thecorebusinessfunctionsorassetsthatcouldbecompromisedinthosecircumstancesandstrategiestominimizetheserisksshouldtheyoccur.

Throughoutthisworkbook,tableswillbecompletedwhicharemarkedintheupperrighthandcornerwiththisspecialsymbol:

Oncethebusinessownerhasworkedtheirwaythroughthisguide,theythentakethesespeciallymarkedpagesandputthemintoaseparatebinder,whichisnowtheirfinishedBusinessContinuityPlan.

Additionalcomponentslocatedinpart2,canalsobeaddedtothisbasicplan.

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Section1:BasicBusinessContinuityPlan

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TheProcessAneffectiveBusinessContinuityPlanshouldbeverypracticalandassimpleaspossible.Intheeventofanemergency,businessownersdonotwanttobeflippingthroughpageafterpagetofindthecriticalinformationthattheyneed.

Furthertothatpoint,oneofthefirstprocessesreallybuildtowardsthedevelopmentthehighestpriorityHazardActionPlans,specifictoyourbusiness.Inordertodothis,wemustfirstidentifythemostprobablyhazardsspecifictoyourbusiness,deconstructyourbusinessintoitscorefunctionsandthenunderstandwhatimpactsthesehazardspose.Fromthisinformationpreparationandmitigationstrategiescanbedeveloped.

TogetherthisinformationrepresentsaBusinessContinuityPlan.FurthertablesandchecklistsinSection2canbeaddedtobuildamoredetailedBusinessContinuityPlanifthebusinessownershouldbesoinclined.

TherearefivestepstodevelopinganeffectivebasicBusinessContinuityPlan:

Step1:CollectKeyBusiness

InformationStep2:RiskAnalysis

Step3:BusinessImpactAssesment

Step4:RiskReduction-Mitigation&Preparedness

Step5:HazardActionPlans

Step6:Test&Update

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Step1:CollectKeyBusinessInformationInthisfirststepyouwilldocumentallofthecriticalinformationthatyoumightneedshouldanemergencyarise.Thisway,intheeventofabusinessdisruption,youwillnothavetowastevaluabletimescanningthroughstacksofdocumentstoobtainvitalinformation(suchaskeycontactsandinsuranceinformation).Furthermore,ifyouhavebeenevacuated,youwillhavealltheinformationyouneedtoanswerquestionsforaidgroupsandauthoritiesaswellasbeabletostayconnectedwithkeycontacts.

Thisinformationincludes:

• Vitalbusinessregistrationinformation• Keybusinesscontactinformation• Insuranceinformation• Staffcontactlists• Emergencycontactlists• Suppliercontactlist• Customercontactlists

Step2:RiskAnalysisTherearethreemainstagesintheriskanalysisprocess:

IdentifyHazardsSpecifictoyourBusinessandtheirProbability:

Startwithalistofallthehazardsyourbusinessmightface,includinghowlikelytheyaretooccurandhowseveretheimpactwouldbeiftheydid.

InventoryCriticalBusinessAssetsandFunctions:

Next,createaninventoryofcriticalbusinessassetsandprocesses:whatthingsareessentialtokeepingyourbusinessrunning.

AnalyzeImpactsandRisksoftheHazardsonYourBusiness:

Usingthetwolists,developariskanalysisforyourbusinessbyimagininghoweachhazardmightaffecttheitemsinyourcriticalbusinessinventory.

Step3:BusinessImpactAssessmentAbusinessimpactassessmenttakesamoredetailedlookatalloftheinformationyouhavegatheredatthispoint,combinesitalltogetherandthenprioritizeswhichHazardActionPlansshouldbecreatedfirst.Itdoessobyassigninganoverallimpactscore,whichrepresentstheriskexposureforyourbusiness(thehigherthenumber,thehighertheriskexposure).

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Step4:RiskReduction-Mitigation&PreparednessAfteridentifyingthegreatestriskstoyourbusiness,itistimetostartthinkingabouthowtoreducethoserisks.Mitigationandpreparednessaretwowaystodothis:

Mitigatingriskisanactionthatyouundertakebeforeahazardsituationtoreducebusinesses’vulnerabilitiesandriskexposure.Bymitigatingtherisks,whenahazardoccurs,itwillhavelessofanimpact.

Preparednessmeansputtingthingsinplacebeforeanemergency,sothatwhenahazardoccursyouarebetterequippedtodealwithit.Thiswillalsolessentheimpact.

Forexample,amitigationmeasuremightbeimplementingrecommendationsfromtheFireSmartProgram(http://www.bcwildfire.ca/Prevention/firesmart.htm)toreduceyourbusinesseswildfirerisk,suchasfuelmanagementaroundthepropertyortreelimbremoval.Apreparednessmeasurewouldbecreatingyouremergencypreparednesskitor“GrabandGo”kitbeforeawildfire,sothatifyouareevacuatedyouhavethesuppliesneededtoreduceyourrisk.Bothareexamplesofwaystoreducetheimpactthatawildfiremighthaveonyourbusiness.

Step5:HazardActionPlansHazardActionPlansaresinglepage“mini-plans”whicharehazardspecificandaredesignedtobeasinglegotosourceofinformationusedbefore,duringandafterahazardsituation.

Beforehandtheyrepresentareferencepointforpreparednessandmitigationstrategiesspecifictoeachhazard.

DuringanemergencysituationtheycanbeeasilyreferencedtoreviewthelikelybusinessfunctionsorassetstobeimpactedandtheirassociatedRecoveryTimeObjectives,potentialimpacts,staffrequirements,resourcerequirements,whathasbeendonetoprepareandmitigatetheriskandwhatstrategiescanbeimplementedduringthehazardsituation.

Afterahazardsituationtheyrepresentareferencepointforrecoveryandresponseactivitiestohelpgetyourbusinessbackonlineassoonaspossible.

Step6:Test&UpdateAswithanydocument,itisonlyasvaluableasitsrelevance.Inotherwords,ifyoudonotregularlychecktoseeifitneedsupdatingormakesureallofthestaffareawareofit,thenitwillbecomejustanotherfoldercollectingdustonashelf.Furthertothispoint,withouttestingitinmockscenariosordiscussingitwithotherstaffmembers,thereisaveryrealchancethatsomekeyinformationmightbemissingorthatacriticalstepwasleftout.Rememberthattheideahereistomakeanextremelypracticalandrealisticdocumentthatwillprovidethebiggestimpactinahazardsituation.

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VitalBusinessInformation:Whenyouoperateyourbusiness,thereiscertainkeyinformationthatyoueitherconstantlyreference,orthatwouldbecriticalifanemergencyhappened.Thisisnotyourbusinessplan,stackofbankstatementsorincorporationcertificate;instead,itisjustthecriticalinformationfromthesedocuments.

Theideahereisthatintheeventofabusinessdisruption,youwillnothavetowastevaluabletimescanningthroughtheentiredocumenttoobtainvitalinformation(suchaskeycontactsandinsuranceinformation)andifyouhavebeenevacuated,youwillhavebroughtyourBusinessContinuityPlanwithyou,sothatyouhavealltheinformationyouneedtoanswerquestionsandconnectwiththerightpeople.

Thisvitalbusinessinformationfallsintothefollowingcategories:

Takealookatthefollowingexamplesbelowandthentakethetimetolocatethisinformationandcompletetheblanktemplatesonthefollowingpages.

BusinessSpecific

Information

• Registrationnumbers• BusinessContinuityLeads• Locationsofimportantitems

InsuranceSpecific

Information

• Contactinformation• AgentInformation• Summaryofcoverageandpolicies

ImportantContact

Lists

• Employeecontactinformation• Suppliercontactinformation• Majorcustomercontactinformation• Emergencycontactinformation

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Business Continuity Lead Name Colin O'Leary

Title Business Owner Cell Phone (250) 999 – 5555

Email [email protected]

Alternative Business Continuity Lead Name Blair Gray

Title Business Owner Cell Phone (250) 999 – 5555

Email [email protected]

TheBusinessContinuityleadsarethefirstpointofcontactinthecaseofanemergencyandthealternativepointofcontact,ifthefirstleadisunreachable.Inthecreationofyourbusinesscontinuityplan,youshouldidentifywhothesepeopleareandmakesurethattheyareawareoftheirresponsibilities,thelocationsofallimportantitemsandmostimportantlyyourbusinesscontinuityplan.

Locations of Important Items Emergency Kit Storage room - top shelf of first rack

First Aid Kit Storage room - top shelf of first rack Important Documents Tall Filing Cabinet in manager's office

Fire Extinguisher Behind front desk “Grab and Go” Bag Behind front desk

First Responder Package Behind front desk Shut-down Procedures Posted on the bulletin board in staff room

Thistablewilloutlinethelocationsofallitemsthatcouldbeofimportanceinanemergency.Valuabletimecanbesavedlocatingitemsofinterestandthistablewillactasareferenceforothers(suchasfirstrespondersorstaff)whomaybeabletoassistthebusinesscontinuityleadinthecaseofanemergency.

Theblanktemplateinthepagesthatfollowoffersadditionallinestoenterotherimportantitemsspecifictoyourownbusiness.

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Basic Business Information Name Flying Feathers Fine Foods

Address 209 Dutch Lake Road, Clearwater, BC

Directions to this Location: From Kamloops, head Northeast on Old North Thompson Highway RdTurn North (left) onto Dutch Lake Rd

Phone (250) 999 – 5555Fax (250) 999 – 5555

Thesetablessummarizesalloftheimportant“businessspecific”informationwhichyoumayneedavailableduringanemergency.Trytothinkofreallifescenariosandwhatinformationyoumayneed.Forexample:IfyouhadbeenevacuatedandneededtocontactCanadaRevenueAgencytocheckandseewhenyournextGSTremittanceisdue,whatinformationwouldtheylikelyrequire?IfyouhadyourbusinessregistrationnumberandGSTaccountnumberyouwouldlikelybeabletogetananswer.Similarly,usingyourBCeIDyoumightbeabletologinandcheckforyourself.

Business Registration/Accounts Incorporation or Business

# BN123456789

GST account # 123456789 PST account # 123456789

Business license # 123456 WorkSafeBC account # 123456789BW0001

Payroll account # 123456789BW0001 BCeID flyingfeathers

Thislistislargelyregistrationandaccountnumbers,butalsoincludesitemssuchastheaddressanddirectionstothislocation.Onceagainthistablecanactasareferenceforothers(suchasfirstrespondersorstaff)whomaybeabletoassistthebusinesscontinuityleadinthecaseofanemergency.

Theblanktemplateinthepagesthatfollowoffersadditionallinestoenterotherimportantbusinessspecificinformation.

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Mostofthecontactlistsarefairlystraightforward,soexampleswillnotbeprovidedforstaff,supplierandcustomerlists.

Staffcontactinformationwillbeusedintheeventthatyoumustcontactstaffmembersregardinganemergency.ItisalsoausefullisttobeabletogivetosupportorganizationssuchasInteriorHealthorRedCrosswhomightbetryingtoconnectwithpeopleaffectedbyanemergency.Similarly,havingalistenablesthebusinesscontinuityleadto“delegate”communicationstostaffmembersiftheyhavesomeoneelseavailabletoassistthem.

Supplierandcustomerlistsshouldonlyincludethosethataredeemedcriticaltotheoperationofthebusiness.Takeamomentandthink,ifsomethingmajorhappenedandallbusinessoperationssuddenlyceased,whowouldyouneedormostwanttoconnectwithonthecustomerandsupplierfront?

Theemergencycontactlistshouldlistallcriticalcontactsnotalreadycoveredbythestaff,supplierandcustomerlists.Instead,itshouldbeotherkeycontactnumbersspecifictotheoperationofyourbusiness.Anexampleisprovidedbelow.

Someideasinclude:utilityproviders,landlordorpropertymanager,emergencyservicesinyour o uni y or region, n anyotherregulatingbodiesforyourbusiness(i.e. e o e u ori y,FrontCounterBC,BCParks,etc.

Emergency Contact List Name Association Phone Email

Fire, Police, Ambulance Emergency Services (250) 555 – 5555 [email protected] Control Centre Emergency Services (250) 555 – 5555 [email protected] Health Health Permits (250) 555 – 5555 [email protected] Devaney Building Manager (250) 555 – 5555 [email protected] Building Security (250) 555 – 5555 [email protected] Auxier Landlord (250) 555 – 5555 [email protected]

BC Hydro Electricity, power outages (250) 555 – 5555 [email protected]

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VitalBusinessInformationBusiness Continuity Lead

Name Title

Work phone Cell Phone

Email

Alternative Business Continuity Lead Name

Title Work phone

Cell Phone Email

Basic Business Information Name

Address

Directions to this Location:

Phone Fax

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VitalBusinessInformationLocations of Important Items

Emergency Kit First Aid Kit

Important Documents Fire Extinguisher

“Grab and Go” Bag First Responder Package

Shut-down Procedures:

Business Registration/Accounts Incorporation or Business

# GST account # PST account #

Business license # WorkSafeBC account #

Payroll account # BCeID

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VitalBusinessInformationStaff Contact List

Name Position CellPhone Email

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VitalBusinessInformationSupplier Contact List

Name Company Phone Email

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VitalBusinessInformationMajor Customer Contact List

Name Company Phone Email

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VitalBusinessInformationEmergency Contact List

Name Association Phone Email

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VitalBusinessInformationEmergency Shutdown Procedures

Asset Procedure

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RiskAnalysisTherearethreemainpartstothebusinessriskanalysisprocess:

PotentialHazards

ThompsonCountrybusinessesareexposedtomanydifferenttypesofrisksincludingnaturalhazards,technological&accidentalhazards,health&humancausedhazards.Oneofthefirstexercisestocompleteintheriskanalysisprocessistheidentificationofallofthehazardsspecifictoyourbusiness.Forexample,ifyourbusinessislocatedonthetopofamountain,floodingisnotreallyabusinesshazardforyou,butitcouldbeforbusinesseslocatedtoabodyofwater.Checkingwithyourlocalmunicipalityforanyavailablehazardmapsisagoodwaytolearnmoreaboutanyflood,landslide,andliquefaction,etc.riskswhereyouarelocated.

Toaidinthisprocess,inthefollowingpages,thisworkbookcontainssomeexamplesofhazardsinThompsonCountryandtheirassociatedpotentialbusinessimpacts.Readthroughthislistandstarttothinkofdifferenthazardsthatcouldimpactyourbusiness.

IdentifyHazardsinYourLocation

InventoryCriticalBusinessAssetsandFunctions

AnalyzeImpactsandRisks

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EnvironmentalAnenvironmentalhazardcanbeanycondition,process,orstateofeventsthathasthepotentialtoadverselyaffectthenaturalenvironment.Environmentalhazardscanharmhumansandthephysicalenvironment.Eachhazardisuniqueandassuchwillrequirespecificplanning.Thefollowing re o e exampleso o on r :

SnowstormsSeverewinterweathercanseverelyimpactyourbusinessoperations.Itcandirectlyharmyourassets,suchassnowoverloadingonroofsorbusinessvehicleaccidents.Moreimportantly,ithasthepotentialtocascadeintootherdisruptiveeventssuchaspoweroutagesandroadclosures.

SevereHeatn ri i o u i or e e ecausetheCoastMountainsactasabarriertothemoistwesterlyairflow,theInteriorPlateauhasamuchdrierandmorecontinentalclimate. y on r he outhern nteriorexperiencesBC'shottestsummers,withtemperaturesofteninthe30°Crange/86-102°F,andoccasionallyrisingabove40°C/104°F1.

HazardousMaterialSpillsHazardousmaterialspillscanoccuronlandorinthewater,andcanincludethingssuchaschemicals,radiation,biohazardmaterials,oilandgas,propane,flammablematerials,industrialproductsandmixedwaste.Ifahazardousmaterialspillthreatensacommunity,localofficialsmayaskyoutoevacuateyourhome2.

1SuperNaturalBritishColumbia:ClimateandWeather:https://www.hellobc.com/plan-your-trip/climate-weatherAccessedMarch28,2019.2BritishColumbia,PreparedBC,Top10HazardsinBC:https://www2.gov.bc.ca/gov/content/safety/emergency-preparedness-response-recovery/preparedbc/know-the-risks/hazardous-material-spillsAccessedMarch28,2019.

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FloodingFloodingisacommon,naturallyoccurringeventinB.C.Althoughitcanhappenatanytimeofyear,themostseverefloodstypicallyoccurinspring—knownasfreshet3.

ForestFiresThesummerof2017willberememberedasoneoftheworstwildfireseasonsinBritishColumbia’shistory.Itwasunprecedentedbymeasureof:theamountoflandburned(over1.2millionhectares),thetotalcostoffiresuppression(over$568million),andtheamountofpeopledisplaced(roughly65,000evacuated)4.

LandslidesBritishColumbia'ssteep,mountainousterrain,itscomplexgeology,anditshighprecipitationallcombinetomakeourprovinceparticularlysusceptibletolandslideactivity.Infact,inBritishColumbiathelossoflifeanddamagetopropertycausedbylandslidesisgreaterthanlossescausedbyothernaturalhazardssuchasearthquakesandflooding5.

3BritishColumbia,PreparedBC,Top10HazardsinBC:https://www2.gov.bc.ca/gov/content/safety/emergency-preparedness-response-recovery/preparedbc/know-the-risks/floods?keyword=floodsAccessedMarch28,2019.4Wikipedia:2017BCWildfireSeason:https://en.wikipedia.org/wiki/2017_British_Columbia_wildfiresAccessedMay5th,2018.5BritishColumbia,PublicSafetyandEmergencyServices:https://www2.gov.bc.ca/gov/content/safety/emergency-preparedness-response-recovery/preparedbc/know-the-risks/landslidesUpdatedMarch28,2019.

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OperationalOperationalinterruptionsincludedisruptionstothesupplychain,transportation,IT,andtelecommunications.Theseinterruptionscanseverelyaffectyourbusinessoperations.

LossofUtilitiesThiscouldinclude:poweroutages,lossofnaturalgasorlossofwaterservices.Theimpactsofdowntimevaryconsiderably,dependingonthebusinessfunctionsandriskexposure.Forexamplepoweroutagescouldleadtolossofcriticaldata,droppedsalesorservicecalls,damagetoequipment,theft,lossofproductorabatchofmaterials,andenvironmentalsafetyrisks.

DisruptiontobusinessnetworkThesecondlargestimpactofbusinessoperationsfromthe2017wildfireswasattributedtolossesarrivingfromEvacuationOrders(54.02%)andEvacuationAlerts(59.77%),whichhadasimilarimpacttotheroadclosures,butwasdefinedbyareasratherthaninfrastructure.Inadditiontodirectlackofaccess,theevacuationordersandalertsdrovefear,whichfurtherdecreasedcustomeractivityandbookings7.

LossofTelecommunicationsTelecommunicationsincludephoneandinternet,butcouldalsoincluderadiocommunicationsdependingontheequipmentusedinvariousbusinessoperations.Thelackofabilitytocommunicatewithstaff,customersandsupplierscancausedramaticimpactsand/orrepercussionsforsomebusinesses.

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Damagetoroad&transportationnetworksDuringthe2017wildfireseason,over80%ofbusinessesreportedthatroadclosureswerethebiggestcauseofbusinessinterruption.Theseclosurespreventedcustomersfromaccessingbusinesses,preventedownersfromaccessingtheirownbusinesses,preventedsuppliersfrombringingsupplies,orshippingcompaniesfrombringingfinishedgoodsorproduceoutoftheregion6.

SecuritySmallbusinessesaresusceptibletophysicalsecuritythreatsincludingtheft,vandalism,andfraud.Astheuseoftechnologyincreasesinbusinessoperations,sotoodotherisksofdigitalthreatssuchascyberattacks,databreachingandonlinefraud.

Cyberattacks/LossofCriticalBusinessDataAcyber-attackisbroadlydefinedasanyattempttogainillegalaccesstoacomputerorcomputersystemforthepurposeofcausingdamageorharm.Aperfectexamplewouldberansomware,whichencryptsallofthedataonthecomputerwhiletheperpetratordemandsransomtobepaidforthedatatobeunencrypted.

Thegrowthoftheinterneteconomyandthedigitizationofrecordkeepinghavefosteredanincreaseinthenumberofcybercriminalsattemptingtostealdata.In2016,studiessuggestthatcyber-attacksalonecosttheglobaleconomy$445billionannually7.

6,TNRDEconomicRecoveryWorkplanandRecoveryNeedsReport,2018.7TheCanadianChamberofCommerce,CyberSecurityinCanada,April,2017.

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Fraud&TheftEverybusiness,largeandsmall,isatriskoffraudandtheft.AccordingtotheCanadianFederationofIndependentBusiness(CFIB,2016),thedefinitionofFraudis`whenanindividualoragroupofindividualsmanipulatesordeceivestoexploitabusinessandobtainmoney,goods/servicesorvaluableinformationsuchaspersonalorbankinginformationordatabases`Fraudcostsmorethanfinances,itcanalsocosttimeandstressonabusiness.

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HumanResourcesPossiblythemostcriticalcomponentofbusinessoperationsisthehealthandwellbeingofyouremployees.Ifyoursmallbusinessweretoencounteradisruptionthatresultedinoneormoreemployeesnotbeingabletofulfilltheirduties,itcouldhavebothoperationalandfinancialimpacts.Beingpreparedforunforeseenemployeeabsencecanhelpyourbusinessreduceassociatedrisks.

PandemicHowwillyourbusinessprovideessentialservices/operationsintheeventofawidespreadoutbreakofdangerousinfectiousdisease(pandemic)?Pandemicshavebeenrecordedeverytentofortyyearsdatingbacktothe1600s,andlikelylongbeforethen.Therewerethreeduringthelastcentury.Inthe1918-19,the"Spanishflu",over20millionpeoplediedworldwide.Thelastpandemic,the"HongKongflu",occurredin19688.Insuchascenario,abusinessneedstoprepareforalong-termperiodwithsignificantemployeeabsenteeism.

Owner/CriticalEmployeeLossWhatwouldhappenifyouasabusinessownersuddenlyfoundyourselfoutofcommissioninthehospital?Orimaginethatakeyemployeesuddenlycannotcomebacktowork.Couldtheremainingemployeescontinuetooperatethebusiness?Doyouhavestrategiesortraininginplacetomitigatethisimpact?

8ProvinceofBritishColumbia,OfficeoftheProvincialHealthOfficer,CurrentHealthTopics:PandemicInfluenza:https://www2.gov.bc.ca/gov/content/health/about-bc-s-health-care-system/office-of-the-provincial-health-officer/current-health-topics/pandemic-influenza

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HazardsandProbabilityforYourBusinessWearenowgoingtousethefollowingtabletolistallofthehazardsthatarespecifictoyourbusiness.Keepinmindyourbusiness’sspecificlocationandcircumstances.Ifahazardsuchaslossofelectricitywouldhavezeroeffectonyourbusinessoperationsbecauseyouoperateoffofthegrid,don’tbothlistingitorscratchitoffifitisalreadylisted.Instead,focusonlistingonlyhazardsthatposearealthreattoyourbusiness.

Thisworkbookhaspre-populatedthehazardtableforyou,u ing e r er n e e.Ifthereisahazardlistedwhichyoufeelisnotarisktoyourbusiness,crossitoff.Likewise,therearesomeblankspacesprovidedtolistsomeofyourownhazards,whicharenotalreadylisted.

Forthepurposeofthisworkbook,hazardsaredefinedbyconditionsthatareexteriortoyourbusinessoperationandoutsideofyourcontrol.Inthenextsectionwewilllookinternallyatyourcorebusinessfunctionsandassets,sokeepthoseideasoutofthislist.Forexample,lossofelectricityisahazardwhichisanoutsideinfluencewhichisoutofyourcontrol,lossoffrozenfoodinventorybecauseofalossofpowerisabusinessfunction(coldstorage)andcriticalasset(operatingfreezer),whicharebothinternaltoyourbusiness.

Nexttoeachhazardranktheprobabilityofthemhappening(1beinglowprobabilityand5beingveryhighprobability).Thisrankingscaleisrelative–thatmeansforyourbusinessfloodingmightbemuchmoreprobablethancyberattack,whilealandslidefallssomewherein-between.Intheseexamples,forthisbusiness,floodingwouldbe5,cyberattackwouldbe1andlandslideswouldbe3. Otherbusinessesmighthavedifferentnumbersforthesamethreehazards.Pasthistoryofeventsintheareaandanystudiesorreportsarealsousefulresourcestoconsiderwhenthinkingabouthowlikelyahazardmightbe.

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TABLE1:RecentHazardsinBritishColumbia

Hazard Probability(1to5) Environmental Snowstorms ExtremeHeat ForestFires Flooding Landslides/Geoinstability/Erosion HazardousMaterialsSpill

Operational Lossofelectricalservice Lossofwaterservice Lossofnaturalgasservice Lossoftelecommunicationsservice Damagetoroad&transportationnetworks

Security Cyberattack/Lossofcriticalbusinessdata Fraud/Theft

Personal Owner/Criticalemployeeloss Pandemic

Other

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KeyBusinessFunctionsandAssetsNext,itistimetotakeacriticallookatyourbusinesstoidentifyandcreateaninventoryofcriticalbusinessassetsandprocesses.Criticalassetsandprocessesaretheequipment,supplies,inventory,administrativeprocesses,manufacturingoperations,salesactions,clientservices,etc.thatareessentialtokeepingyourbusinessrunning.Thiswillassistyouinunderstandingwhichresourcesareintegraltoyouroperations.

Thisisnotanexhaustivelist.Tryto“deconstruct”yourbusinessdowntotheabsolutecorefunctionsandpieces.Forexample,ifyourbusinessisabakery,printingreceiptsforcustomersisnotanabsolutecorefunction/asset,buthavingaworkingovenis.

RecoveryTimeObjective(RTO)Arecoverytimeobjectiveisausefultargettocreatewhencreatingabusinesscontinuityplan.Afterlistingallofthekeybusinessfunctionsandassets,assignarecoverytimeobjectivescoretoeachofthemusingthetablebelow.Whendoingthisyoushouldassumethecompletelossofbusinessfunctionorasset.Determinethemaximumamountoftimethatthesebusinessfunctionscanbeinterrupted.ThistimeframeiscalledtheRecoveryTimeObjective(RTO).ThegoalistohavethesebusinessfunctionsoperationalwithinthespecifiedRTO.

TABLE2:RecoveryTimeObjectiveScores(RTO) <24HRS 48HRS 1WEEK 2WEEKS 1MONTH 5 4 3 2 1

Theresultswillassistyouinprioritizingthekeybusinessfunctionsthatarecriticaltoyourbusinessoperations.Prioritizeyourplanningfromthemost(<24hours)toleastcritical(1month).

UseTable3onpg.31tolistallofthesekeyprocessesandassets.Anexampleofacompletedtableisprovidedbelow.

BUSINESS

FUNCTION STAFF

REQUIREMENTS RESOURCE

REQUIREMENTS RTOScore

Sales SalesManagers,SalesAssociates

Computer,landline,customercontactlist,printer,email 3

Delivery DeliveryDriver Refrigeratedvan,fuel,GPS 1

ShippingandReceiving ShippingandReceivingManager

Computer,landline,salesanddeliveryrecords,vacuumsealers 1

FoodStorage ShippingandReceivingManager Refrigerators,electricity 5

31 | P a g eMay 2019

TABLE3:CriticalBusinessFunctionsandRTOScores

BUSINESS

FUNCTION STAFF

REQUIREMENTS RESOURCE

REQUIREMENTS RTOScore

32 | P a g eMay 2019

RiskAnalysis

Next,lookingatthetableyoujustcompleted,whichidentifiedallofthekeybusinessfunctionsandassets,identifythepotentialimpactsofbeingunabletoresumethebusinessfunctionwithinthespecifiedRTO.Potentialimpactsmaybefinancial,organizational,operational,and/orsocial.Thiswillunderlinetheseverityofthelossofkeybusinessfunctionstoyourbusinessoperations.

Thisanalysisalsoassignsascoretohowseveretheimpactsyoujustbrainstormedare—wouldtheydisruptyouroperationsforafewhours?Afewdays?Shutyourbusinessdowncompletely?Ratetheseverityoutofascoreof1to5,with5beingthemostsevere.Thisratingscaleisrelative,sobasetheimpactofthisbusinessfunctionbeinginterruptedrelativetotheothers.

Estimatingtheseverityhelpstoprioritizewhatrisksyoumightwanttothinkaboutaddressingfirstinyourpreparednessplan.Howyouscoreprobabilitiesandimpactsiscompletelyuptoyou,butitcanbeausefulwaytoorganizewhichrisksarethemostserioustoyourorganization.

UseTable4onpg.33tolisttheseimpactsandseverity.Anexampletableisgivenbelow:

SampleRiskAnalysis:

Business

Function/Asset POTENTIALIMPACTS Severity

(1-5)

Computers

Backlogofsalesandshippingtransactions. 2

Operationaldifficulties. 4

FoodStorage

Alltheinventoryisperishableandwillbelostwithoutrefrigeration. 4

ShippingandReceiving

Unabletopackageproducts. 1

Unabletosendandreceiveproducts. 4 Willdamagebusinessreputationandcausefinancialrepercussions. 3

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TABLE4:PotentialImpactsandSeverity

Business

Function/Asset POTENTIALIMPACTS Severity

(1-5)

34 | P a g eMay 2019

BusinessImpactAssessmentWewillnowtaketheriskanalysisastepfurtheranddevelopabusinessimpactassessment.Abusinessimpactassessmenttakesamoredetailedlookatalloftheinformationyouhavealreadyidentified,combinesitalltogetherandthenprioritizeswhichHazardActionPlansshouldbecreatedfirst.Itdoessobyassigninganoverallimpactscorethatrepresentstheriskexposureforyourbusiness(thehigherthenumber,thehighertheriskexposure).

TocompletethisBusinessImpactAssessment,firststartbytakingthetopfivemostprobablehazardsspecifictoyourbusinessandtheirassociatedprobabilityscoresfromTable1onpg.29,andlistingtheminthefirsttwocolumnsofTable5onpage37.

Next,takethetopthreekeybusinessfunctionsorassetsandtheirassociatedRTOscorefromTable3onpg.31thatwouldbeaffectedbythishazard,andlistingthemincolumns3and4ofTable5.Forsomehazardstheremayonlybeoneortwokeybusinessfunctionsorassets.

Last,takethehighestseverityscoreforthatkeybusinessfunctionorassetfromTable4onpg.33,andlistitincolumn5ofTable5.

HazardProbability(1to5)

BusinessFunctionsImpacted

RTOScore

Severity SubtotalOverall

ImpactScore

Flooding 4



RTOScore


ImpactScoreSales 3Delivery 1ShippingandReceiving 1

Flooding 4



RTOScore


ImpactScoreSales 3 5Delivery 1 3ShippingandReceiving 1 2

Flooding 4

35 | P a g eMay 2019

Nowmultiplethehazardprobabilitynumber,bytheRTOscoreandseverityscoreforeachkeybusinessfunctionorassetandenterthisamountintocolumn6“subtotal”.

Onceallofthesubtotalshavebeencalculated,addthemallupforeachHazardtodeterminetheoverallimpactscore.Thehigherthisscoreis,thehigheryourbusiness’sriskexposureandthehigherprioritythishazardisforyourHazardActionPlans.

AnexamplecompletedBusinessImpactAssessmentcanbefoundonpage36andablanktemplateforyoutofilloutislocatedinthepageafterthat.



RTOScore


ImpactScoreSales 3 5 60

Flooding 4



RTOScore


ImpactScoreSales 3 5 60Delivery 1 3 12ShippingandReceiving 1 2 8

Flooding 4 80

May 2019 36 | P a g e

SampleBusinessImpactAssessment:

Hazard Probability(1to5)


RTOScore Severity Subtotal Overall

ImpactScore

Flooding 4 Sales 3 5 60

80 Delivery 1 3 12 ShippingandReceiving 1 2 8

Forest Fires 5 Sales 3 5 75

100 Delivery 1 3 15 ShippingandReceiving 1 2 10

Cyber attack 3 Computers 3 5 45

54 Internet 3 1 9

Owner injury 2 Sales 3 3 18

18

Loss of electrical service

2 Computers 3 2 12

12 Internet 1 1

May 2019 37 | P a g e

TABLE5:HazardRiskImpactAssessment

Hazard Probability(1to5)


RTOScore Severity Subtotal

OverallImpactScore

38 | P a g eMay 2019

RiskReduction-Mitigation&PreparednessAquickrecapfromthebeginningofthisworkbook,mitigationistheactionyoutakebeforeahazardoussituationoccurstoreduceexposuretorisk.Bymitigatingtherisks,whenahazardoccurs,itwillhavelessofanimpact.Preparednessistheactionofputtingthingsinplacebeforeanemergency,sothatwhenahazardoccursyouarebetterequippedtodealwithit.

Onceyouhaveidentifiedrisksyoucandeterminewhatactionsyoucantaketoreduceriskstoyourbusiness(consideringcost,time,andbenefitofeachaction).

RiskReductionandMitigationStrategies

Asalreadymentioned,nowthatyouhaveyourcompletedHazardImpactAssessment,younowknowthetoppriorities(highestscoringhazards)thatyouwillneedtoaddress.Ifyouhavethetimeandresources,goaheadandmakeahazardactionplanforallofthem.Ifthattaskfeelsalittledaunting,focusfirstonthetopthreehighestscoringhazards.

Atthispointyouwillalsohaveanunderstanding(fromtheHazardImpactAssessment)whichkeybusinessfunctionsorassetswillbeimpacted.Usingthisinformation,readthroughthefollowingsection,whichprovidesexamplesofvariouspreparednessandmitigationstrategiesthatyoumightbeabletoemploy.Pleasekeepinmindthatthislistisnotexhaustive–youmightbeawareofadditionalorbetterstrategiesthatsuityourbusinessbest.

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EnvironmentalHazardStrategies:

Flooding ForestFires LandSlides Snowstorms

SevereHeat HazardousMaterialSpills

SocialMedia:inCrisisCommunicationsSocialmediaisapowerfultoolthatisusefulforgettingshortandimportantmessagestoawideaudience.Messagessentthroughsocialmediahavethepotentialtoaffectyourbusinessesreputation,goodorbad.Inthemidstofanemergencyorcrisis,youcanensureyourgoodreputationshinesthroughwithsomepreplanning.Onceyouhaveidentifiedspecificcrisesthatcouldimpactyourbusinessyoucanpreparesocialmediaresponsesthatalignwitheachpotentialrisksinadvance.

SocialMedia:AsanInformationSourceSocialmediaisalsoanoptimalplatformforreceivinginformationvitaltoyourbusinessduringanemergency.Followingtheaccountsoflocalnewsagencies,your uni i n region go ern en o i e ,EmergencyManagementBCandEmergencyInfoBCwillallowyoutostayupdatedonbreakinginformation.Socialmediaisnotwithoutitsdownfallshoweverasmisinformationcanalsobepresent.Chooseyourtrustedsourcesofinformationwiththisinmind.

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Donations

MoneyDonationsofmoneyarethemostefficientandeffectivewaytosupportlocalaidorganizationsintheireffortstoprovidereliefgoodsandsupplies.Identifytrustedorganizationsinyourcommunitythatsupportreliefeffortsthatyoucanhelpwithyourcashdonations.

Service/EquipmentIdentifyequipmentandservicesyourbusinesscanprovideinrecoveryefforts.Stayuptodateontheneedinyourcommunitybyfollowinglocalmediaandreachingouttoauthorities.

EmployeeTimeYourcompanymaybeabletocontinueoperationsafteralargedisruptioninyourcommunity.Considersupportingyouremployeesandtheirdesiretohelptheircommunitybyallowingthemtovolunteerwithpaidtime.

“NeverRaisePrices”PolicyRaisingpricesinthefaceofadisasterisdistasteful.Nomatterwhatyousell,beingagoodcorporatecommunitymembercanincreasecustomerloyaltyandhelpyouattractnewcustomers.Havingastandingcompanypolicytoneverraisepricesisawaythatyoucanshowyourcommitmentandgainsocialequity.

CrisisTimeLogTrackingthetimeittakestoimplementyourbusinesscontinuityplanandcapturingunexpectedactivitiesthatyoumaynothaveincludedinacrisistimesheetwillhelpyoureviewsuccessesandchallengesinyourBCPafterthedisruption.

EmergencyAssistanceAgreementsIfyourbusinessisimpactedbyadisasteryourresourcesmaybestretchedtothepointwhereyouareunabletocontinueoperations.Prearranginganagreementwithotherbusinessesororganizationstoprovideemergencyassistancetoeachotherincaseofacrisiscanbeinvaluable.Notonlycanyouensureyourbusinessoperatesduringdifficulttimesyoucanalsogainvaluableinsightsbyhelpingotherbusinessesaboutyourownbusinesscontinuityplanningprocess.

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OperationalHazardStrategies:Operationalinterruptionsincludedisruptionstosupplychain,transportation,IT,andtelecommunications.Theseinterruptionscanseverelyaffectyourbusinessoperations:

Utilities Damagetoroad&transportationnetworks

Disruptiontobusinessnetwork Telecommunications

EmergencyTelecommutingTelecommutingcanbeanexcellentoptiontomaintainkeybusinessoperationsduringaweatheremergencyorotherworkplacedisruption.Fromkeepingemployeesoffdangerousroadstoaninfluenzaoutbreak,telecommutingcankeepyouremployeeshealthy,safe,andstressfree,allwhilemaintainingtheirworkproductivity.Inorderfortelecommutingtobesuccessfulasabusinesscontinuitytool,thereneedstobesomeplanning.Youmustidentifywhichjobscanbedoneremotely,putthepropertechnologyinplace,ensurethetechnologyissecure(protected),trainyourstaffandtestthesystem.

AlternativeSuppliersYourbusinessmayrelyheavilyonexternalkeysupplierstoprovideproductsandservices.Ensureyoursuppliershavetheirownbusinesscontinuityplansandunderstandwhatwillhappentotheirsupplychaintheiroperationsshouldgodown.Lookintoalternativesuppliersintheeventyourmainsupplierisimpactedbyadisruption.

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PowerFailureStrategyBusinessesacrosstheworldhavebecomeheavilyreliantontheavailabilityofcontinuouspower.Becauseofthisrelianceitiscriticalthatyourbusinesshaveapowerfailureresponsestrategyinplace.Hereareafewpowerfailurestrategiestoconsider:

1. Identifypotentialcausesofpowerfailure(ex.Technical,environmental,cyber-attack)

2. Prioritizethesystemsthatneedtocontinueoperationsinordertominimizelossesandsustainbasicbusinessoperations.

3. Determinewhattypeofemergencypoweryourcompanyshoulduse.

4. Developandpracticeyourplan.

AlternativePowerSuppliesIfyourbusinessreliesheavilyonapowersupplyconsiderinstallingpermanentemergencygenerators.Notethattheinstallation,operationandmaintenanceisquiteexpensiveandcomplex,andmaynotbeviableduetolocalbuildingcodesorenvironmentalconstraints.Ifyoudecidedtoinstallpermanentelectricalgenerationequipment,youwillneedanexperiencedprofessional’shelp.Alternatively,portableelectricgeneratorscanbeinstalledafterthepowerhasfailedandbeforetheuninterruptiblepowersupplyshutsdown.Thewattageandvoltageratingsforeachgeneratorshouldbedefinedpriortotheoutageandproceduresdocumented,sothatwhenacquiringthem,theloaddoesnothavetobecalculatedunderadverseconditions:whichusuallyleadstoerrorandfurtherdisaster.Youcaneitherrentorpurchaseportablegenerators.Ifyourentmakesuretoarrangeapre-emergencycontract.Ifyoupurchasegeneratorsensuretheyareregularlymaintained.

BackupCriticalResourcesIdentifyyourmostcriticalbusinessfunctionsandensureyouhavebackupsforthese.Forexample,ifyourcomputerfilesarecriticaltoyourbusinessoperationsensureyouhavethesefilesduplicatedorsavedinanotherlocationandthatyouhavethemeanstoaccessthemshouldyourcomputerbecomedamagedorinaccessible.

ReputationManagementThewayyouhandleanemergencyiscriticaltoyourreputation.Thinkofabusinessdisruptionasyouropportunitytoimproveyourbusinessreputation.

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SecurityHazardStrategies:

Smallbusinessesaresusceptibletophysicalsecuritythreatsincludingtheft,vandalism,andfraud.Astheuseoftechnologyincreasesinbusinessoperationssotodotherisksofdigitalthreatssuchascyberattacks,databreachingandonlinefraud.

Cyberattack/ Fraud/Theft

LossofCriticalBusinessData

InformationTechnologyProtectionDataisoneofyourbusinessesmostimportantassets.WhenadisasterhappensanInformationTechnology(IT)strategycanmakeallthedifferenceinyourbusinessessurvival.Initssimplestformyoucanprotectyourdatabyhavinghardcopiesofcriticalinformation,dataandresourcesstoredsecurelyinanoff-sitelocation.Thisway,evenifyourphysicallocationiscompromised,youcanestablishthecontinuationofyouroperations.

CloudStorageandComputingWhendataisstoredonremoteserversaccessedfromtheinternet,itiscalled"CloudStorage".Thisvirtualstorageismaintained,operatedandmanagedbyacloudstorageserviceprovideronstorageserversthatarebuiltonvirtualizationtechniques.Businessesofallsizescanbeempoweredusingcloudtechnologyknowingtheirmostcurrentdataisbeingstoredsecurelysothattheycanhaveinstantandaccurateinformationanywhere,anytimeonanydevice.

DataBack-upsEnsureyoubackupyourdataregularlyonsiteandoffsiteandtestyoursystemperiodicallytoverifyyouareabletorestoreyoursystemifneeded.Usinganexternalstoragedevice(externalharddriveorUSBstorage)tobackupdataandstoreinasecureoff-sitelocation.

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HumanResourceHazardStrategies:Possiblythemostcriticalcomponentofexecutingyourbusinesscontinuityplanisyouremployees.Theirinvolvementintheplanningprocessiscritical.Aprimaryfocuswillalsoneedtobeonyouremployees’personallivesshouldtheybedisrupted.

Owner/CriticalEmployeeLoss Pandemic

CommunicationisFundamentalCommunicateconcise,timely,andup-to-dateinformationwithyourstaffaboutthestateofyouroperationsonaregularbasis.Thishelpsreducestressandgivesyourteamconfidencethattheyarevaluedmembersofyourbusiness.

Training&SuccessionPlanningAsmentionedabove,someofyouremployeesmayexperiencepersonalimpactsfromadisaster.Havingaplanthatallowsthemtotakethetimetheyneedtodealwithpersonalimpactsiscritical.Akeypartofthisplaniscrosstrainingandsuccessionplanning.Successionplanningistheprocessofhavingyourkeyoperationsremainfunctioningregardlessofkeypersonnel.Crosstrainingprovidesmoreflexibilityinmanagingyourstafftogetthejobdone,anditisgoodforstaffbecauseithelpsthemlearnnewskills,increasetheirvaluetotheirfirmandpreventpositionfatigueandultimatelysupportssuccessionplanning.

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InvolveyourEmployeesAgoodbusinesscontinuityplanonlyhappenswheneveryoneinthebusinessisawareofwhattheplanisandhowittoexecuteitincaseofemergency.Involveyouremployeesineverystageofyourplanningprocesssotheyarefamiliarwithwhattoexpectandwhattheirrolesandresponsibilitiesareshouldadisasterhappen.Considerhavingsomeofyourstafftakeformaldisastertrainingandappointthemasleadsinyourbusinesscontinuityplan.

StaffWell-beingYouremployeesareyourbiggestassets.Youwillwanttobesuretheworkingconditionsaresafebeforeanyonecanreturntowork.Also,considerifanyoneonyourstaffhasbeenpersonallyimpacted.Respectthetimestaffwillneedtotakecareoftheirhomesandfamilies,offeryourassistanceifpossible.

Monitoryouremployees’mentalhealth,adisastercanbeemotionallyandmentallydraining.Dealingwiththeaftereffectsofadisastermaybeasstressfulormorestressfulthantheeventitself.Ifyouofferhealthbenefitsincreaseawarenessoftheresourcesavailabletoyourstaff.Encourageyourstafftotakeadvantageofallresourcesavailabletothemandmonitortheirstresslevelsandmentalwell-being.

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InsuranceHavingproperinsurancecoverageisoneofthemostimportantthingsbusinessescandotostrengthentheirabilitytorecoverfromtheimpactsofanemergencyordisaster.Neverassumeyouhavecoverageforaparticularloss;itisimportanttoknowexactlywhatyouarecoveredfor,aswellasthelimitsofthatcoverage.

Thisisespeciallyimportantasbusinessesarenoteligibletoapplyforgovernmentdisasterfinancialassistanceifinsurancewasavailableforaparticularlossandthebusinesschosenottoobtaincoverage.

NowthatyouhavecompletedtheBusinessImpactAssessment,youhavethecoreinformationyouwillneedtostartinvestigatinginsuranceoptions,suchas:

• Whatarethemostlikelyhazardsthatwillhavethebiggestimpactonyourbusinessandwhatwerethekeybusinessfunctions/assetsimpacted(alllocatedintheHazardImpactAssessmenttableonpg.35)?

• Next,considertheamountofthecoveragethatyourequire.Forexample,ifanextendedpoweroutagecausesthelossoffrozenperishableinventory,whatisthemaximumvaluethatinventorycouldbe(i.e.$20,000or$200,000)?

• Reviewanyexclusionsorotherconsiderationsforagivenpolicy:i.e.Doesoperatingawelderonpremisesmakeagivenfireinsurancepolicyvoid?

Theseanswershelptodefineinsuranceneeds,todeterminewhatisimportanttoinsure,whatlossestheorganizationcanabsorbthemselves,andwhatactionplanscanbeputintoeffecttoreducepotentiallosses.

Speakwithyourinsurancerepresentativeaboutdisasterrisksandwhatinsuranceoptionsmakethemostsenseforyourbusiness.Besureyouarefamiliarwiththeinsuredperilsonyourexistinginsurancepolicy;speakwithyourinsurancerepresentativeifyouareindoubtorhaveanyquestions.

Whenconsideringdisastersandemergencies,coverageforsuchthingsasacyberattack,fraud,lossofincome,stockspoilage,equipmentdamageanddebrisremovalcanbeespeciallyvaluable.

47 | P a g eMay 2019

Someinsurancequestionswhichmightproveuseful:

InsuranceChecklist Yes No

DoIneedBusinessIncomeandExtraExpenseInsurance?

Doesmypolicycovercyberandprivacybreachcoverage?

Doesmypolicycoverthecostofrequiredupgradestocodeorduetoby-laws?

AmIcoveredforlostincomeintheeventofbusinessinterruptionbecauseofaloss?

DoIhaveenoughcoverage?

AmIcoveredforlossduetointerruptionofpower?

Iscoverageprovidedforbothon-andoff-premisespowerinterruption?

Otherconsiderations:

• Whatperilsorcausesoflossdoesmypolicycover?

• Howwillmypropertybevalued?

• Whatdoesmypolicyrequiremetodointheeventofaloss?

• Forhowlongiscoverageprovided?

• Howlongismycoverageforlostincomeifmybusinessisclosedbyorderofacivilauthority?

• TowhatextentamIcoveredforreducedincomeduetocustomersnotallimmediatelycomingbackoncethebusinessreopens?

• Whattypesofrecordsanddocumentationwillmyinsurancecompanywanttosee?

• Howwillmyemergencymanagementprogramaffectmyrates?

Thefollowingpageprovidesanexampleofacompletedbusinessinsurancesummarytable.Pleaseusethisasareferenceforcompletingtheblanktableprovidedonpg.49.

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Insurance Company Information Name Inclusive Inclusions Ltd.

Street Address 209 Dutch Lake Road, Clearwater, BC

Telephone Number (250) 555 – 5555

Fax Number (250) 555 – 5555

Website www.II.ca

Contact Emergency Telephone 1-888-555-5555

Insurance Agent's Information Agent's Name Billy Billings

Agent's Direct Line (250) 555 – 5555

Agent's Email [email protected] Emergency Telephone 1-888-555-5555

Insurance Bureau of Canada: (1-844-227-5422)

Insurance Policy Information Type of

Insurance Provider

Name Policy

Number Policy limits

Coverage (General Description)

Fire and Flood Impact Ltd. 123456 $1,000,000 Basic coverage from Fires and Floods

Business Interruption Intact Ltd. 123456 $

250,000 Loss of income from interruption

Liability Indeed Ltd. 123456 $3,000,000 General liability

49 | P a g eMay 2019

Table 6: Insurance Company Information

Name

Street Address

Telephone Number

Fax Number

Website

Contact Emergency Telephone

Insurance Agent's Information Agent's Name

Agent's Direct Line

Agent's Email

Contact Emergency Telephone Insurance Bureau of Canada: (1-844-227-5422)

Insurance Policy Information Type of

Insurance Provider

Name Policy

Number Policy limits

Coverage (General Description)

50 | P a g eMay 2019

Insurancecostvs.benefit.Thereisageneralperceptionfrombusinessownersthatbusinessinterruptioninsuranceiscostprohibitive,butdatawouldseemtoindicatethatthismightonlybeaperceptionandnotthereality.Tomakethiscase,aKamloops-basedinsurancebrokerwasaskedtoprovidereallifeexamplesofinsurancepoliciesforbusinessescurrentlyoperatinginandaround e region.Allidentifyinginformationhasbeenstrippedtoprotecttheanonymityofthebusinesses.

Businessinterruptioninsuranceofferscoveragethatwillreplaceyourlostincomeandcoversexpensesifyourbusinesscan’tmaintainnormaloperationsduetoaninsuredloss.Itisdifferentthanmostothertypesofinsurancebecauseitdoesn’tnecessarilyinvolveaphysicallossofyourownproperty.Forexamplecoveragecanbeavailablefor:

• InterruptionbyCivilAuthority• LossofOffPremisesUtilities,whichfurnishheat,light,powerorgastotheinsured

premises.

ThewildfiresandfloodsofBritishColumbiaisatrueexampleofwherethiscoveragecanbevaluable.Thistypeofinsurancecanhelpyourbusinesscontinuetotakecareofemployees,payyourbillsandgetyoubackupandrunningassoonaspossible.

Realexamplesofpremiumsforthiscoverageinclude:

• B&BlocatedinClearwater $100,000limit=$326peryear• KamloopsBusiness: $1,900,000revenuesperyearcoverage=$688peryear

Asaconsumerofthisinsurancemust“confirm”theirloss,itisvitalthatpastyearfinancialshavebeencompletedandin-housebookkeepingdocumentsareuptodate.

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HazardActionPlanTemplateThefollowingisabasictemplatetofacilitateyourplanning.Itisscalabletobeassimpleorcomplexasyourbusinessrequires.PrioritizeyourplanningbasedontheoverallHazardRiskImpactAssessmentscoresfromTable5,pg.37.

SAMPLE#1

Hazard Flooding BusinessFunctionsImpacted RecoveryTimeObjective

Sales 2Weeks Shipping 4weeks Receiving 6weeks

PotentialImpacts

Inventorydamage Financialimpact Reputationdamage

ResourceRequirements Landlineormobilephone Salesandshippingrecords Keycustomercontactlist

StaffRequirements Salesmanager Salesstaff ShippingandReceivingstaff

MitigationandPreparednessStrategies

BEFORE

Developafloodingstrategy Locateatemporarywarehousebackup Developacommunicationsplan Ensureresourcesareavailableonthe“cloud” Makesureinsuranceisinplace

DURING

ContacttheBusinessContinuityManager Implementcommunicationsplan Moveasmuchinventoryaspossibletobackupwarehouselocation

Implementstrategiestomitigateflooddamage

AFTER

Doaninventorycheckfordamage Contactinsurancecompany Prioritizeshippingandreceiving Continuewithcommunicationsplan

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HAZARDACTIONPLANTEMPLATE

Hazard: BusinessFunctionsImpacted RecoveryTimeObjective

PotentialImpacts

ResourceRequirements

StaffRequirements


BEFORE

DURING

AFTER

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PotentialImpacts


StaffRequirements


BEFORE

DURING

AFTER

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Hazard:

BusinessFunctionsImpacted RecoveryTimeObjective

PotentialImpacts


StaffRequirements


BEFORE

DURING

AFTER

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Hazard:

BusinessFunctionsImpacted RecoveryTimeObjective

PotentialImpacts


StaffRequirements


BEFORE

DURING

AFTER

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PotentialImpacts


StaffRequirements


BEFORE

DURING

AFTER

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PracticeYourPlanThemosteffectivewaytobereadyforadisasteristopracticeyourplan.Ensureyouinvolvestaffintheseexercisessotheyarefamiliarwithwhatisexpectedofthemincaseofanemergency.Themoreabusinesscontinuityplanistestedthemorelikelyyourbusinesswillminimizeimpactsshouldyoufaceadisaster.

PracticeFormats:StaffMeetingsAstaffmeetingisanexcellentplacetoengageindiscussionaboutvarioushazards,theimpactsonthebusinessandanymitigationorpreparednessstrategiesalreadyinplace.Theprimarygoalduringthesestaffmeetingsistoensureyouremployeesarecomfortablewiththeirrolesandresponsibilitiesasoutlinedinyourbusinesscontinuityplan.

ScenarioExercisesTheScenarioExercisesisameetingtodiscussanimitationemergency.Staffreviewanddiscusstheactionstheywouldtakeinaparticularemergency,testingtheemergencyplaninaninformal,low-stressenvironment.Theseexerciseshelpclarifyrolesandresponsibilitiesandidentifyadditionalpreparednessneeds.

SimulationExerciseAfull-scaleexerciseisasimulationofarealbusinessorcommunitydisruptioninvolvingotherbusinesses,organizations,andcommunitystakeholders.Theexercisetypicallytakesplaceinalocationwherethesimulateddisruptionoccurredandinvolvespersonnel,businesspartnersandotherresourcestopracticeadisruptiononalargescale.

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Section2:AdditionalBusinessContinuityPlan

Components

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CrisisCommunicationPlanTherearetwomaincomponentsofacrisiscommunicationplan:thefirstinvolvesstrategiesaroundcommunicatinginformationaboutyourbusinessoutwardsandthesecondinvolvesstrategiesaroundcollectinginformationfromexternalresourcestostayuptodateonthehazard.

CommunicatingOutwards:Knowinghowyouwillcommunicatewithemployees,customers,businesspartners,serviceprovidersand(ifnecessary),themediaduringanemergencyisanimportantpartofthepreparednessprocess.Howwillyouuseyourbusinesswebsite,socialmedia,email,telephone?CreatingaCrisisCommunicationPlanisavaluabletoolfordevelopingthesecommunicationsstrategiesaheadoftime.

Usethetablesonthefollowingpagestodeterminethecommunicationsleads,whentoimplementyourcommunicationsstrategies,whoyouwillcommunicatewith,howyouwillcommunicatetoyourintendedaudienceandtodevelopsometemplatemessaging.

Examplesofaudiencesinclude:

• Employees• Stakeholders• Customers• RegulatoryAgencies• Media

Examplesofchannelsinclude:

• Phonecalls• Texts• Emails• Websiteemergencymessagingsystem• Voicemailemergencymessaging• SocialMedia

Someexamplesofcompletedtemplatesareprovidedonthefollowingpages.

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SampleCommunicationsPlan:RolesandActivation

KeyRolesandResponsibilities PrimaryCommunicationLead: Babara Bellino EmergencyContactNumber: (250) 555 – 5555

Emailaddress: [email protected]

Back-upCommunicationLead KennithKemmererEmergencyContactNumber: (250) 555 – 5555

Emailaddress: [email protected]

WhentoActivatePlan (AnyoftheFollowingConditions)

Lengthoftimeofoutage/interruption: Greaterthan48hours Percentageofsales 25% Numberofemployeesimpacted 25% %Keybusinessfunctionsinterrupted 10% %Keybusinessassetsdown 10% EvacuationAlert YES EvacuationOrder YES InabilitytoaccessWellsGreyPark YES

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SampleCommunicationsPlan:Employees

Audience Employees CommunicationChannels

PhonecallsEmail

Pre-HazardMessage: [COMPANYNAME]isawareof[impendinghazard]thatisscheduledtoimpact[community/offices]on[thisdate].Wewillcontinuetomonitorthesituationandsendupdatesasneeded.Pleasecheckwith[authoritybody]foradditionalinformation.

AfteranEventMessageOperationsNotAffected:

Thismessageisbeingleftonbehalfof[NAME,TITLE].Todayis[date/time].[COMPANYNAME]wasnotaffectedbythe[hazard]andhasresumedoperationsasusual.

AfteranEventMessageOperationsAffected:

Thismessageisbeingleftonbehalfof[NAME,TITLE].Todayis[date/time].[COMPANYNAME]wasaffectedbythe[hazard].Wearetemporarilynotoperating.Wewillsendadditionaldetailsand/orupdatesastheybecomeavailable.Thankyou.

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SampleCommunicationsPlan:Customers

Audience Customers Communication

Channels: FacebookWebsiteTwitter

Pre-HazardMessage:

[COMPANYNAME]isawareof[impendinghazard]thatisscheduledtoimpact[community/offices]on[thisdate].Wewillcontinuetomonitorthesituationandsendupdatesasneeded.Pleasecheckwith[authoritybody]foradditionalinformationabout[impendinghazard].

AfteranEventMessage—

OperationsNotAffected:

Thismessageisbeingleftonbehalfof[NAME,TITLE].Todayis[date/time].[COMPANYNAME]wasnotaffectedbythe[hazard]andareopenforbusinessasusual.

AfteranEventMessage—OperationsAffected:

Hello,thisis[nameandtitle].Thismessagealertisfor[datehere].Duetothe[hazard], [COMPANYNAME]willbetemporarilyofflinesothatwecanensureouremployeesandworkplacearesafe.Weappreciateyourpatienceasweworkthroughthisevent.Pleasecallbackforupdates.

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CrisisCommunicationPlanKeyRolesandResponsibilities

PrimaryCommunicationLead: EmergencyContactNumber: Emailaddress:

Back-upCommunicationLead EmergencyContactNumber: Emailaddress:

WhentoActivatePlan (AnyoftheFollowingConditions)

Lengthoftimeofoutage/interruption: Percentageofsales Numberofemployeesimpacted %Keybusinessfunctionsinterrupted %Keybusinessassetsdown EvacuationAlert EvacuationOrder

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CommunicationsPlanandMessaging

Audience

CommunicationChannels:

Pre-HazardMessage:

AfteranEventMessage—Operations

NotAffected:


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Audience


Pre-HazardMessage:


NotAffected:


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Audience


Pre-HazardMessage:


NotAffected:


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Audience


Pre-HazardMessage:


NotAffected:


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CollectingValuableInformation:Yourbusinessshouldthinkaboutwhereandhowyouwillgetup-to-dateinformationinanemergency.Knowingaheadoftimewhatsources(likenewsmediaandlocalgovernmentagencies)youshouldmonitorwillhelpensureyourbusinessgetstheinformationitneedsinacrisis.

Usethefollowingtabletoidentifywhereyouwillfindup-to-dateinformationonexternalhazardsituations.AlistofusefulsourcesofinformationhasbeenprovidedinAppendicesD.

Anexampleofacompletedtableisprovidedbelow:

Hazard InformationSources

Flood

ClearwaterFireHall:(250)674-2237

EmergencyInfoBC:https://www.emergencyinfobc.gov.bc.ca/ BritishColumbiaRiverForecastCenter:http://bcrfc.env.gov.bc.ca/warnings/index.htm TheTNRDEmergencyProgramat1-877-377-8673

ForestFire

BritishColumbiaWildfireService:https://www2.gov.bc.ca/gov/content/safety/wildfire-status/wildfire-situation DriveBC:https://www.tranbc.ca/current-travel-advisories/ BCWildfireServiceFacebook:https://www.facebook.com/BCForestFireInfo/

BCWildfireServiceTwitter:https://twitter.com/bcgovfireinfo?lang=en

PowerInterruption

BCHydroat1-888-POWERON(1-888-769-3766)or*HYDRO(*49376)onacellphone.

TelecommunicationsInterruption

Telus:Toreachcustomerservice,contact1-800-361-3311(business)or1-800-310-2255(personal),orvisitwww.telus.com

Shaw:Toreachcustomerservice,contact1-877-742-9249(business)or1-888-472-2222(personal),orvisitwww.shaw.ca

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CollectingValuableInformation:

Hazard InformationSources

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EvacuationGuideSomehazardswillnecessitatethedeclarationofanevacuationorderbecauseithasbeendeemedtoodangeroustostayinthearea.Theauthoritytoorderanevacuationcanrestwithdifferentlevelsofgovernment(local,provincialorfederal).Astandardthree-stageevacuationprocesshasbeenadoptedbyalllevelsofgovernment,asdescribedbelow:

Stage1:EvacuationAlertIndividualsareadvisedofthepotentialneedtogetreadyforevacuation.Thealerthighlightsthenatureofthedangerandthatevacuationmayberequiredatanytime.Informationwillbeprovidedonwheretogoiftheevacuationisordered.Wheneverpossible,emergencyofficialswillprovideasmuchnoticeaspossiblesopeoplehavetimetogetready.

Evacuationalertsdonotrequireadeclarationofastateoflocalemergency.InsomeinstancesanEvacuationOrderisimmediateandnoevacuationalertisgiven.

Stage2:EvacuationOrderAllpersonsintheaffectedareaaretoldthat,intheinterestoftheirownsafetyandconsideringtherisk,theyarenoworderedtoleavethearea.Atthistimeanyrelatedinformation,suchasaspecificevacuationrouteorthelocationofanEmergencyReception&InformationCentrewillbeprovided.

Adeclarationofastateoflocalemergencymustbedeclaredforanevacuationordertobevalid.

Stage3:EvacuationRescindAllpersonsintheaffectedareaareadvisedthattheemergencyisundercontrolandtheareahasbeendeclaredhabitableandsafeandtheevacuationorderhasbeenrescinded.

Howwillyouknowifthereisanevacuationalertororder?Variousmethodswillbeusedtoadvise ri i o u i residentsandbusinessesintheeventofanevacuationalertoranevacuationorder,suchas:goingdoor-to-door(ifapplicable),patrolcarsorfirevehiclesusingPAsystems,alertingthemedia(radio,TV,internet),andsocialmedia(EmergencyManagementBC,RegionalDistricts,RCMP,etc.).

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BeforeanEvacuationAlert

• DesignateanindividualastheEvacuationLead• Deviseasystemforaccountingforallpersonnelduringtheevacuation

EvacuationAlert

• CollectandorganizetheimportantitemsalreadyidentifiedatthestartofyourBusinessContinuityPlan,under"locationsofimportantitems"

• Ensureallemployeesandvisitorsareawareoftheevacuationalertinformation

• Starttoimplementanycommunicationsstrategiesifapplicable

• Considertakingpicturesofassetsforinsuranceclaimpurposes

EvacuationOrder

• Takeallimportantitemsandcriticalassetsalreadyidentified

• Carryoutemergencyshutoffproceduresforutilities,equipment,etc.ifnecessary

•  Securethebuildingbyclosingandlockingwindowsanddoors

• SetoutyourFirstResponderPackageifapplicable

EvacuationRescind

• Monitortrustedcommunicationschannelstoidentifywhenitissafetoreturnandifthereisanythingyouneedtodotoensureitissafetore-enteryourplaceofwork

• Wrapupanycommunicationsstrategiesifapplicable

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EmergencyResponderPackage:AnEmergencyResponderPackageisasimplecollectionofinformationthatwouldproveusefultoemergencyrespondersinahazardsituation.Thereareanumberofkeythingstoincludeinthispackagesuchas:

• AcopyofthispagefromtheVitalBusinessInformationfromtheBusinessContinuityPlanwhichoutlines:

• Thebusinesscontinuityleadsandtheircontactinformation• Thebasicbusinessinformation,suchasaddressanddirections

• AcopyofthispagefromtheVitalBusinessInformationfromtheBusinessContinuityPlanthatoutlinestheshutdownproceduresforthebusiness.

• Amapofthebusinessoutliningthevariousbuildings,locationsofitemsofinteresttofirstresponderssuchas:

• FirstAidkits• Emergencysupplies• Usefulequipment• Dangerousmaterials• Otheritemsofinterest

UsinganEmergencyTubeTheEmergencyTubeismeanttobeaneasilyaccessiblewaterprooftubetostorecriticalbusinessinformation.AsuggestionforbuildinganEmergencyTubeisincludedinthediagramonpage74.Pleasemakesurethatitisplacedwhereitcanonlybeaccessedbyrespondersandbeawarethatitmaybesubjecttotheft.

CreatingaMapTocreatethemap,usethetemplateonthefollowingpageandkeepinmindthefollowingtips:

• Locatekeyitemsofusetoaresponderonthemap.• Selectasuitablescale• Usethesymbolsprovidedinthelegendatthebottomofthepage,theyarewidely

recognizedbyresponders• Indicatethe‘North’arrow

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BusinessMapforEmergencyResponders:

Legend:

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SuggestionforBuildingWaterproofContainer(Tube)9

9PartnersinProgressiveStewardship,TheAlbertaEnvironmentalFarmCompany,RuralEmergencyPlan2008.

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Appendices

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APPENDIXA:Business“GrabandGo”KitChecklistBelowisalistofitemstoconsiderwhenbuildingyourBusiness“GrabandGo”Kit.The“GrabandGo”Kitisalsocalledanemergencypreparednesskitandmanyareavailableforpurchasepre-made.Employeesshouldalsobeencouragedtobuildtheirown“GrabandGo”Kitsandhavethemavailableatalltimes,suchasintheirvehicle.

! AcopyofyourBusinessContinuityPlan

! Water:onegallonofwaterperpersonperdayfordrinkingandsanitation! Food:atleastathree-daysupplyofnon-perishablefood

! Flashlightandextrabatteriesandsomebasictools! Firstaidkitandthree-daysupplyofprescriptionmedications

! Whistletosignalforhelp! Dustmaskorcottont-shirttohelpfiltertheair

! Moisttowelettesforsanitation! Canopener! Sturdyshoes,extraclothesandblankets

! Cash! Backpackortotebag(tocarrythekititems)

! Blanketorsleepingbag! 5packofCandles

! WaterproofMatches! 12-HourLightSticks

! Tarp:8'x10'! SolarBlankets

! WorkGloves! DuctTape

! Sunscreen! Jacket! FoldingShovel

! Leathermanstylemulti-tool! Wind-upflashlightandradio

! Externalbatterypackorwind-upcellphonecharger! “OK/NeedHelp”Sign–fordisplayinawindowofavehicleorpremises

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APPENDIXB:BCDisasterFinancialAssistanceInformationFollowingadisaster,theprovincialgovernmentmaydeclaretheeventeligibleforDisasterFinancialAssistance(DFA).Oncedeclared,theDFAprogrammaycompensateindividualsforessentialuninsurablelossesand/orreimburselocalgovernmentsfordamagedinfrastructure.

Inordertoapplyforassistance,businessesmustmeetallDFAprogrameligibilitycriteria.Onlyuninsurableitemsessentialtotheoperationofthebusinesswillbeconsideredforfinancialassistance.

Lossesforwhicheligiblesmallbusinessescanapplyforassistancemustbeuninsurable;ifcoveragewasavailablebutabusinesschosenottopurchaseinsurance,thatlossisnoteligibleforDFAconsideration.

DFABusinessEligibilityCriteria! Isyourbusinessmanagedbyallownersofthebusinessonaday-to-daybasis?! Istheincomefromthebusinessthemajorsourceofincomeforallownersofthebusiness?! Arethegrosssalesofthebusinesslessthan$1millionperyear?! Doesthebusinessemploylessthan50employeesatanyonetime?! Youwillberequiredtoprovidesupportingdocumentationtosupporttheabove

informationandhaveitavailablefortheevaluatorduringthesitemeeting.! Writtenconfirmationfromyourinsurancebroker/agentthatyoucouldnothavepurchased

insurancetocoverthelosstoyoursmallbusiness,farmorcharitableorganization.! Acopyofarentalagreementorlease,ifapplicable.! Ifyouhaveinvoices/receiptsforcleanuporrepairs,pleasehavethemavailableduringthe

sitemeetingtohelptheevaluatoridentifyeligiblecosts.! Themostrecentlyfiledfinancialstatements(incomestatementandbalancesheet)usedfor

incometaxpurposes.! Themostrecentlyfiledcompletecorporateincometaxreturn,withallsupporting

schedules.! Themostrecentlyfiledcompletepersonalincometaxreturnsforallowners,withall

supportingschedules.! Proofofownership(CentralSecuritiesRegisterlistingallshareholdersorPartnership

Agreement)

PleaseNote:DisasterFinancialAssistanceisnotavailableforwildfirelosses.DFAislimitedtouninsurablelosses.Fireinsuranceforhomesandbusinessesisreasonablyandreadilyavailableacrosstheprovince.

TolearnmoreaboutBritishColumbia’sDisasterFinancialAssistanceProgram,eligibilityrequirementsandapplicationprocess,visit:https://www2.gov.bc.ca/gov/content/safety/emergency-preparedness-response-recovery.UpdatedMarch29,2019.

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APPENDIXC:Home-BasedBusinessInformationIfyourbusinessisbasedoutofyourhome,disasterandemergencypreparednessarestillimportant.Belowaresomeimportantthingsyoushouldconsiderwhichhome-basedbusinessspecific:

Home-BaseBusinessEmergencyPlanWorkingfromhomemeansyounotonlyhavetosafeguardyourfamilybutalsothemeanstomakeyourliving–yourbusiness.Havingaplaninplaceshouldyouhavetoevacuate,losewaterandpowerforanextendedperiodoftimeareallsituationstoplanfor.

TheProvincialGovernmenthasexcellentresourcesforgettingyour“HouseholdEmergencyPlan”inplace.https://www2.gov.bc.ca/assets/gov/public-safety-and-emergency-services/emergency-preparedness-response-recovery/embc/preparedbc/2015_household_emergency_plan_v03_web.pdf

HomeHazardAssessmentYourhomecanbeimpactedbyavarietyofdisasters:floods,wildfires,extremeweather,etc.Befamiliarwiththehazardsinyourareaandprepareahomesafetychecklist.Considerhavingaprofessionalassessoptionsfordealingwithyourhomeandpropertystructuralissuesorhazards.

Home-BasedBusinessInsuranceMakesureyourbusinessoperationsarecoveredinyourinsurance.HomeInsurancedoesnotnecessarilycoveryouhome-basedbusinessoperations.Consideraskingyourinsuranceprofessionalaboutwhatisexactlycoveredinyourpolicyandwhatadditionalcoverageyoushouldhave(liability,lossofdataorincome).

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