Business continuity planning for bad weather this autumn
It’s important to make sure your business is prepared for any bad weather coming its way. If it isn’t, any disruptions caused by the bad weather could result in business interruption claims. Weather-proofing your business can save you a lot of hassle in the long run, so read on for more about how you can prepare your business for the stormy season.
The power of ecommerce
Heavy rain (which can lead to flooding), ice and snow reduce high street footfall, which means that customers are less likely to shop locally, and instead turn to the internet – this can be particularly damaging to businesses who depend on the bigger sales days of Black Friday and the run-up to Christmas. To make sure that you’re ready for your customers online, here are a few key things to consider:
If your customers need you for advice or to discuss an issue, are they able to get your contact details easily online?
Is your customer service inbox checked regularly?
Is your website fully working?
Does your website work as well on mobile devices as it does on a desktop or laptop?
Is your online shop stocked and up-to-date?
Even if you’re not ready for a website, you could consider using Facebook, X (formerly known as Twitter) and Instagram, to keep your customers engaged and to offer customer service.
Strategise for the bad weather
Have a think about how you can diversify or even tailor your products or advertising to suit the bad weather conditions. Consider “rainy day” or “winter warming” specials that will get your clientele onto your premises – this could be especially effective for businesses such as local cafes or restaurants who rely on the physical presence of customers. You could also devise offers that are in-store only, such as a rewards offer (perhaps collecting stamps that can be later redeemed on purchases).
Have business interruption insurance in place
Sometimes even when we prepare for the worst, the intensity of bad weather can take us by surprise. Make sure you have business interruption insurance in place in case your business is forced to close from the bad weather. Business interruption insurance will ensure that you can pay your continuing overheads such as rent and salaries, will grant temporary premises if your commercial building is unusable, and will cover you for revenue loss due to fire, storm and flood damage.
To get a personal insurance service which truly takes your circumstances into account, get in touch with Commercial Insurance on 01737 373 222.
