According to the article “Tips for Home and Business Owners During National Preparedness Month” by Adjusters International on its website, www.adjustersinternational.com, September is National Preparedness Month. Here are some tips to make sure you, your employees and your business are prepared for any and all emergencies:

• Make a plan and practice. Make sure that family, employees and others know how to reach you in the event of a disaster and that they understand what to do in such a setting to keep themselves safe. Disasters, whether natural or man-made, can happen at any time. Plan out emergency responses in advance and practice them to keep everyone prepared.
• Learn life-saving skills. Skills such as CPR can be crucial in emergencies, as can several other skills to make yourself an asset in an emergency.
• Check your insurance policies. Check what your insurance covers and excludes. Knowing what will be reimbursable after a disaster can help you plan financially in advance and speed up your recovery.
• Have an emergency fund. A disaster may not just affect your business. Other businesses, such as banks, may be closed down, and you may lose internet access or power in the area, rendering cashless transactions useless. For this reason, it is important to have cash on hand for emergencies. Some sources state that having three to six months’ worth of cash on hand to cover expenses is standard. Such expenses would include necessities, such as food, clothing, shelter and regular bills.

Read the original article here.