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Business owner discussing fire claims

Protecting Your Small Business From Fire

Fire can be one of the most devastating things to happen to a small business. Not only does it cause physical damage, but it can also lead to lost revenue and customers. In this blog post, we will discuss how you can prepare your small business for a fire so that you can minimize the damage caused by it.


Create an Inventory of All Your Assets

A business inventory is a list of items, including the quantity and value of each item in possession of a business. Inventory can include physical assets such as equipment and real estate and intangible assets such as patents, copyrights, and trademarks.


Having an up-to-date inventory can be critical in the event of a fire or other disaster, as it can help ensure that your business can recover financially. In addition, having an inventory can help you to identify any missing or damaged items, which can be crucial in making an insurance claim.


For these reasons, take the time to create an inventory of your business assets. You can do this yourself or hire a professional to help you.


Get Fire Insurance

No one ever expects to suffer a fire at their business, but the sad reality is that it can happen to anyone anytime. If you don’t have insurance coverage, you could face a very costly recovery process.


Not only will you have to pay for the damage caused by the fire, but you will also have to replace any inventory or equipment lost in the blaze. Fire insurance can help ease a fire’s financial burden by providing reimbursement for repairs and replacement costs.


In addition, if your business closes its doors while repairs happen, insurance can help to cover lost income.


Remember, when filing a fire claim in NY, engaging the services of a public insurance adjuster in New York can help you to get a fair settlement from your insurance company. They understand the insurance claim process and will work on your behalf to get you the compensation you deserve.


Keep Important Documents in a Safe Place

Fire can destroy essential documents such as contracts, financial, and employee records. Keep these documents in a fireproof and waterproof safe to prevent this from happening.


You should also create digital copies of important documents and store them off-site in a secure location. Going digital will ensure you have access to them even if a fire destroys your physical copies.


Install Smoke Alarms and Fire Extinguishers

Smoke alarms can give you early warning of a fire, giving you time to evacuate the premises. Fire extinguishers can help to put out a small fire before it has a chance to spread.


Ensure your smoke alarms are correctly installed and in good working order. It would be best if you had a fire extinguisher for every 500 square feet of your business space.


Develop a Fire Evacuation Plan

A business evacuation plan should include multiple exits from the premises and a designated meeting place outside.


Ensure all employees are familiar with the evacuation plan and practice it regularly. In the event of a fire, a quick and orderly evacuation can save lives.


Get Help From the Pros

If you need help filing fire insurance in New York, New York Fire Claims is here to help. We’ll link you up with a public insurance adjuster in New York who will handle your claim from start to finish, ensuring you get the maximum compensation possible. Contact us today to learn more about our services.