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This Almanac provides general business owners with the information they need to successfully develop a disaster preparedness plan. These plans are created to increase the viability of businesses in the event of a major disaster. Key topics include business continuity planning, crisis assessment and management, insurance issues, equipment and data protection, and employee preparedness. Written in an accessible format for general readers, this almanac sets forth practical steps business owners need to take to safeguard their business in case of disaster.
The Legal Almanac Series serves to educate the general public on a variety of legal issues pertinent to everyday life and to keep readers informed of their rights and remedies under the law. Each volume in the series presents an explanation of a specific legal issue in simple, clearly written text, making the Almanac a concise and perfect desktop reference tool.
| About the Author | p. vii |
| Introduction | p. x |
| Emergency Management Planning | |
| In General 1 | |
| Form an Emergency Management Team | p. 2 |
| Assess Your Current Risks | p. 2 |
| Previous Incidents | p. 3 |
| Geographic Risks | p. 3 |
| Technological Risks | p. 3 |
| Human Error | p. 4 |
| Design and Construction Emergencies | p. 4 |
| Plan for Specific Types of Emergency Situations | p. 4 |
| Determine Potential Impact | p. 5 |
| Human Impact | p. 5 |
| Impact on Business Operations | p. 5 |
| Impact on Facility and Property | p. 5 |
| Establish Timelines and Budgets | p. 5 |
| Review Existing Plans | p. 6 |
| Establish a Backup Plan | p. 6 |
| Designate Staging Areas | p. 7 |
| Determine Community Resources | p. 7 |
| Determine Codes and Regulations | p. 8 |
| The Federal Emergency Management Agency | p. 8 |
| Developing and Implementing the Emergency Plan | |
| Plan Components | p. 9 |
| Executive Summary | p. 9 |
| Emergency Response Procedures | p. 9 |
| Emergency Contact Information | p. 10 |
| Building Plans and Maps | p. 10 |
| Writing the Plan | p. 10 |
| Implementing Your Emergency Management Plan | p. 11 |
| Notification and Warning System | p. 11 |
| Evacuation Planning | p. 12 |
| High Rise Buildings | p. 13 |
| Shelter | p. 13 |
| Equipment and Data Protection | p. 13 |
| Equipment Protection | p. 14 |
| Maintain an Inventory | p. 14 |
| Data Protection and Storage | p. 15 |
| Public Information and Media Relations | p. 15 |
| Medical Emergencies | p. 16 |
| First Aid Supplies | p. 16 |
| Food | p. 17 |
| Water | p. 17 |
| Medications | p. 17 |
| Miscellaneous Items | p. 17 |
| Emergency Management Costs | p. 18 |
| Employees and Their Families | p. 18 |
| Planning for Specific Disasters | |
| In General | p. 19 |
| Fires | p. 19 |
| Planning Considerations - Fires | p. 19 |
| Hazardous Materials | p. 21 |
| Hazardous Materials Regulation | p. 21 |
| Planning Considerations - Hazardous Materials | p. 22 |
| Off-Site Incidents | p. 22 |
| Floods | p. 24 |
| Planning Considerations - Floods | p. 24 |
| Hurricanes | p. 25 |
| Planning Considerations - Hurricanes | p. 25 |
| Tornadoes | p. 26 |
| Planning Considerations - Tornadoes | p. 26 |
| Severe Winter Storms | p. 27 |
| Planning Considerations - Severe Winter Storms | p. 27 |
| Earthquakes | p. 28 |
| Planning Considerations - Earthquakes | p. 28 |
| Technological Emergencies | p. 29 |
| Planning Considerations - Technological Emergencies | p. 30 |
| Preparing Your Workplace for a Pandemic | |
| What is a Pandemic? | p. 31 |
| Effect of a Pandemic on Business Operations | p. 32 |
| Role of the Employer | p. 32 |
| Level of Risk | p. 32 |
| Planning Considerations | p. 33 |
| Community Planning | p. 33 |
| Review Your Emergency Plan Regularly | p. 33 |
| Contingency Planning | p. 33 |
| Identify and Minimize Risks | p. 34 |
| Assist Employees in Crisis | p. 34 |
| Employees Who Travel Outside the United States | p. 34 |
| Business Insurance | |
| In General | p. 37 |
| Business Owners Policy | p. 38 |
| Property Insurance | p. 39 |
| Exclusions | p. 39 |
| Flood Coverage | p. 39 |
| Earthquake Coverage | p. 40 |
| Acts of Terrorism | p. 40 |
| Business Interruption Insurance | p. 41 |
| Named Perils Policy | p. 42 |
| All-Risk Policy | p. 42 |
| Extra Expense Insurance | p. 43 |
| Filing Your Insurance Claim | p. 43 |
| Policy Cancellation | p. 43 |
| Policy Nonrenewal | p. 43 |
| Filing a Complaint Against Your Insurance Carrier | p. 44 |
| Damage Assessment and Recovery | |
| In General | p. 45 |
| Damage Assessment | p. 45 |
| Financing Your Recovery | p. 46 |
| Getting Back to Business | p. 47 |
| Assisting Your Employees | p. 48 |
| The Small Business Administration Disaster Relief Loan Program | |
| In General | p. 49 |
| Applying for Financial Assistance | p. 49 |
| Use of Funds | p. 50 |
| Physical Damage | p. 50 |
| Economic Injury | p. 51 |
| Loan Terms | p. 52 |
| The Military Reservist Economic Injury Disaster Loan Program | p. 52 |
| Use of Funds | p. 53 |
| Loan Terms | p. 53 |
| Documentation | p. 54 |
| The SBA Disaster Office | p. 54 |
| The SBA Disaster Assistance Customer Service Center | p. 54 |
| The SBA Field Operations Center - East (FOC-E) | p. 55 |
| The SBA Field Operations Center - West (FOC-W) | p. 55 |
| The SBA Disaster Assistance Processing and Disbursement Center | p. 56 |
| Appendices | |
| Directory of Federal Emergency Management Agency - Regional Offices | p. 57 |
| Directory of State Offices of Emergency Management | p. 59 |
| Business Continuity Acronyms | p. 67 |
| Sample Emergency Plan | p. 73 |
| Emergency Supplies Checklist | p. 81 |
| Computer Inventory Form | p. 83 |
| List of Hazardous Chemicals | p. 85 |
| Checklist for Pandemic Planning | p. 91 |
| Insurance Coverage Discussion Form | p. 95 |
| Selected Provisions of the Terrorism Risk Insurance Act of 2002 and the Terrorism Risk Insurance Extension Act of 2005 | p. 97 |
| Directory of State Insurance Departments | p. 109 |
| U.S. SBA Disaster Business Loan Application | p. 115 |
| Glossary | p. 117 |
| Bibliography and Additional Resources | p. 135 |
| Table of Contents provided by Ingram. All Rights Reserved. |
ISBN: 9780195339031
ISBN-10: 0195339037
Series: Legal Almanac Series
Audience:
Professional
Format:
Hardcover
Language:
English
Number Of Pages: 224
Published: 1st October 2007
Dimensions (cm): 23.6 x 15.8
x 1.5
Weight (kg): 0.363
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