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Natural disasters. Technological failures. Industrial accidents. Sabotage. These are just a few of the risks that may affect your business. While you can't always avoid these risks, you can minimize their likelihood as well as lessen their impact...with a carefully structured Emergency Preparedness Plan. The Hartford's loss control professionals offer a variety of tips and tools to help your company respond to, and recover from, a disaster.

Getting Started
To begin your planning process, you may want to appoint an Emergency Coordinator as well as an Emergency Preparedness Planning Team and outline their roles and responsibilities.

Assessing Your Risks
A careful assessment of your risks forms the foundation of a sound emergency preparedness plan. As part of this risk assessment:

• Identify the hazards that could affect your business.
• Analyze how likely those risks are to occur, and if they do, how seriously they could impact your business.
• Evaluate which assets may be impacted by your most likely risks.
• Consider how you can mitigate the risks that could have the biggest impact on your assets.

Preparedness: Readying Your Business for the Worst
If disaster does strike, you'll want certain plans in place, ready to implement. For example, before you ever need them, you'll want to establish plans for how you'll communicate with employees, notify the media, evacuate your facility, protect vital records, and continue computer operations.

Response: Developing an Action Plan
How well you prepare for emergencies is directly related to how well you'll weather them. As part of your action plan, you'll want to document procedures for processing emergency calls, alerting personnel, activating alarms, evacuating your building, initiating emergency communications, and closing your facilities.

Recovery: Developing a Plan for Resuming Operations
You'll not only want to plan how to respond to an emergency, you'll also want to outline the steps you'll take to recover from one... including how you plan to assess the damages, salvage whatever you can, activate recovery communications, and provide employee support.

Testing: Training, Drills and Exercises
The first time you test your plan shouldn't be when you absolutely need it to work. So schedule tests and drills to be sure that employees know how to respond to emergencies.

Maintaining Your Plan
To keep your plan current, make sure you conduct a formal audit of your entire plan at least once a year... and update your plan whenever there's a significant change to your staff, operations, facilities, or organization.

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