Flood Risk Action Plan: How to Protect Your Business
Flood risk action plan: How to protect your business
While October – March is often considered the high-risk months for flooding in the UK, the summer months also see flash flooding across various parts of the UK, particularly in the East. The risk of increased rainfall underscores the urgent need to increase measures and enhance flood risk management to help protect your business.
Mitigate the potential damage of flooding to your business, property, and machinery, with sufficient construction site insurance and equipment hire insurance cover from Insurance4plant.
Protecting your business starts with some important checks and precautions including:
Checking if your business/property is at risk of flooding
On the Environment Agency’s webpage, you can check your long-term flood risk, enabling you to carry out more detailed assessments if you’re deemed at risk.
Registering for free flood warnings
Help prepare yourself and your business for the unfortunate event of flooding, and position yourself to better cope with the impact of the increased rainfall with flood alerts. Receive alerts of river or coastal flooding via texts, calls, or emails to designated individuals (noting that this service doesn’t warn of surface water flooding).
Composing a well-designed flood plan
Design a flood plan clearly outlining the necessary actions before, during, and after a flood, detailing the specific steps to safeguard people, property, and critical infrastructure.
By adhering to a well-designed and tested flood plan, you can significantly mitigate the risk of damage. These measures will not only protect your assets but will help to secure more favourable insurance terms to cover your business.
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A well-designed flood plan should include the following:
Designation of responsibilities
Assign roles and responsibilities to teams or individuals and be sure everyone is clear on what they need to do in the event of a flood.
Thorough risk assessment
This helps to identify the risk of flooding and what impacts this could have on the business.
Preventative measures
Provide documentation of ways to minimise risks. This could include anything from clearing leaves from drains to ensure water can run through, to larger tasks such as installing flood barriers and relocating critical equipment to a place above flood levels if possible.
Communication plans
Establishing this helps to keep everyone informed including employees, customers, and stakeholders.
Evacuation procedures
Document in a guide how to safely evacuate the premises if ever necessary. This should be shared and understood by all involved.
Recovery plan
Outline the process for returning to normal operations after a flood, including cleanup and repair plans and dealing with insurance claims.
Obtain an insurance for plant hire quote
At Insurance4plant, we specialise in insurance for plant hire, contractual liability, and construction site insurance. We tailor cover to your business needs, giving you peace of mind in the face of natural risks like flooding.
Get a quote today and speak to our experts about how we can help protect your business with the right equipment hire insurance and support.
Why an Insurance Expert is Your Best Asset
- Our experts provide coverage tailored to your business
- We can assist with proactive risk assessment to identify potential vulnerabilities
- We will support you through any claims, helping to simplify the often complex processes.
- Our team of industry experts remain informed about industry trends and changes to keep policies upto date and effective.
Our 25+ years experience of providing insurance for plant hire means we have the knowledge to guide and support you with plant hire insurance. Contact our team now to receive a bespoke quote for your business.
Insurance4plant covers under the facility include:
- Insurance4plant Combined Policy
- Insurance4plant Short Term
- Insurance4plant Contractors Plant Policy
- Management Liability
- Motor Fleet Policy
- Professional Indemnity
- Cyber
Contact the team today
Insurance4plant typically work with the following types of businesses:
- Tool Hire
- Plant Hire
- Traffic Management
- Crane Hire & Contract Lifting Companies