Protect Your Business Against the Risk of Floods

20 January 2014

With forecasters predicting more stormy weather ahead, it’s important to prepare your business for any unavoidable extremes of weather and the risks posed by flooding. This year has already seen an unprecedented amount of rainfall, and with our ground and rivers already saturated, certain properties are particularly vulnerable to the risk of flooding.

Flooding can affect your business in a variety of ways - from preventing staff being able to travel to and from work, to cancelled or delayed deliveries, or customers being unable to access goods or services. Add to this the cost of damage repair and the replacement of your business equipment, and the importance of forward-planning becomes even more important.

The Environment Agency acknowledge that it is almost impossible to completely flood-proof a property, but there are a number of practical measures you can take in order to limit the effects of flooding on your business including:

Assessing your business premises – prevention is key in the case of flooding, and now is the ideal time to check your damp-proofing courses and to check for any gaps between doors and windows. Raising door thresholds can also be a simple but effective measure to keep out floodwater.

Clearing your drains Our drains can become clogged up with old leaves and soil at this time of year, and without the ability to flow away quickly, flood-water is much more likely to build up and possibly enter your business premises.

Keeping flood-proofing items to hand
– Sandbags can be used to restrict water flow outside your property and to hold flood water back from doorways. They can also be placed around gates, driveways and paths in order to effectively divert water away.

Installing non-return valves – non-return valves are vital in a flood situation in order to prevent rising waste water and sewerage from re-entering your property.

Protecting your belongings
– Valuable items such as stock and anything likely to be damaged by flood water such as computer equipment should be stored on the upper levels of your building, on shelves, or even off-site. Documentation such as insurance policies, passports etc. can also be given further protection by being stored within sealed polythene bags.

Checking your cover – It is highly important that you check your insurance policy documents to establish the level of cover in place. If your business is inadequately covered, with insurance that is not as comprehensive as it should be, then you run the risk of leaving your business only partly covered, or not being insured at all. In this case, Monmouthshire Insurance Services are on hand to help you to find the right cover for your business.

Monmouthshire Insurance Services specialise in helping businesses find the right type of insurance cover to suit their needs. If you’re concerned as to whether you have adequate cover in place for your business or would like a no-obligation commercial insurance healthcheck, then Monmouthshire Insurance Services are here to help.

>> View the guidance for businesses on managing your flood risk

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