In the past three weeks, the state of New York has experienced an earthquake, a hurricane, and several threats of tornados. Though the storms have passed, one question still lingers: Am I going to be prepared for the next curve ball that nature throws at me?
Before Hurricane Irene made its way up the coast, thousands of people prepared for the storm. Many people boarded up their homes, bought extra food and water, and even evacuated to higher grounds. When danger is imminent, it is important to try to take everything into account. Personal belongings and property are usually the first priority when it comes to protection, and hopefully, if you play your cards right, they are the only things you will have to worry about in a crisis. To give yourself some peace of mind, it’s a good idea to make sure that you can be prepared at a moment’s notice. This may mean taking small steps everyday to protect the things in your life that can sometimes be neglected when disaster strikes.
If disaster does strike, much like it did this past month, not only do you have to make sure your home is protected, but if you are a business owner, you have to make sure you have what it takes to withstand chaos. A great way to do this is to either invest in a New York Business Owners Policy or look over your current policy. Getting a New York Business Owners Quote is great because you can see all of the benefits it has to offer should your building experience a fire, theft, or total damage. Another great component to business owners insurance is Business Interruption Insurance. This small part of the business owners package offers a lot of help, especially when you need it the most. Business Interruption Insurance means exactly what it sounds like: if your place of business is temporarily incapacitated, or interrupted, this special policy can do a lot to cover you in the meantime.
Say, for example, the recent hurricane spawned the floodwaters by your place of business and you can’t operate for a little while. If you had Business Interruption Insurance, your policy could cover your profits (based on your financial records) and your operating expenses. If your business is under repair for a while and you need to work at a temporary location, your New York Business Owners Policy could also cover those expenses.
The only absolute truth we know about the weather is that it is unpredictable. If you plan ahead, you can be sure that you will be prepared for whatever nature may throw at you. Calling your local insurance agent for a New York Business Owners Quote is a simple but extremely helpful start. There may be times when your business operations might be hindered due to weather, damage, or other unfortunate events, but you have the choice to keep your business afloat by purchasing the right tools to do so. Log onto www.nyinsuranceshopper.com today to get a New York Business Owners Quote so that you can keep going, despite what life throws at you.