Enjoy the service, security and value of buying your insurance through an independent broker   Immediate On Line Quoting Receive immediate On Line auto and property quotes.  Click on Quotes then either auto or property and follow the steps. Loss Limitations Considerations Nearly every day, the media report another fire, another hurricane,  another disaster.  Do you ever think “there but for the grace of God goes my business”?  It needs to be in the forefront of your mind as an owner or manager.  You should not think of time spent on planning for recovery from disasters as an expense; it is in fact an investment that can pay handsome dividends. Agreed policies and procedures for your business must have your total commitment.  Anything less will be readily noticed by employees, who in turn will then not give the matter the priority you desire.  This is particularly true in respect of loss limitation-the first step in disaster recovery. Ideally, you should have a written procedure manual that spells out steps to be taken in the event of every kind of emergency you can anticipate.  This extends through natural disasters to fire, impact by vehicles or aircraft, hold-up, kidnapping and outbreak of disease.  Each employee should have a copy and know exactly what to do personally in each eventuality. The over-riding consideration must be the safety of life and limb.  Emergency escape routes must be mapped along the quickest paths that keep clear of hazardous machinery, equipment and material.  You should ensure there is adequate emergency lighting at low level to provide maximum illumination possible below the densest smoke concentrations likely.  Observe all municipal regulations regarding emergency exit doors and their hardware.  Enforce compliance with rules about closing of fire doors.  Check regularly to make certain these instructions are being followed. Then comes action to limit property damage.  The local fire department must be notified by telephone as soon as possible, even if automatic detection and alarm systems are installed in your premises.  This is important is case the disaster has put them out of action.  Yours plans should identify who is responsible for this. If there is no personal risk entailed, whoever is close by should attack an outbreak of fire promptly, using appropriate first-aid-fire-fighting equipment.  This supposes you have the correct types of extinguisher placed throughout your premises.  Furthermore, staff must all be trained in the proper use of such apparatus. Property endangered in its existing location that can be moved to safety should be transferred.  You may wish to allocate priorities to different types of assets.  Valuable records, computer data media, and customized equipment might rate ahead of standard machinery, equipment and inventory.  When drawing up your plans, find suitable off-site storage facilities that can be made available at short notice. One of the most important aspects of loss reduction is communication.  Your plan should provide for all appropriate outside agencies to be contacted quickly.  It is also vital that your own employees and their families be kept aware of what is happening.  Any shortcomings in this area can lead to rumour, speculation and fear, which then become hard to dispel. Loss reduction is largely a matter of common sense preparedness.  Thorough planning can pay big dividends if the worst ever happens. Thank you for visiting our new web site. The What's New section will be updated frequently, allowing us to provide you with items of seasonal interest and updates on new products or team members. We will also try to keep you up to date on changes in the insurance industry at large that may affect your insurance coverage. Check back soon for more!     Privacy Policy / Politique de confidentialité