Natural disasters can strike without warning, wreaking havoc on communities and businesses. For New Jersey, a state prone to various types of natural disasters, preparedness is not an option but a necessity. Businesses in the Garden State can take practical steps to protect themselves against these disasters. New Jersey’s small businesses contribute largely to the state’s economy. The Garden State ranks 11th in the nation for number of small businesses, with over 953,000 enterprises. The state experiences several natural disasters yearly that can deem businesses inoperative for lengthy periods of time, including hurricanes, floods, wildfires and winter storms.

According to Rhodium Group’s New Jersey Rising Coastal Risk report, since the 1980s, there has been a rise in both the frequency and magnitude of storm surges. Significantly more present-day structures are susceptible to flooding at least once during a 30-year mortgage period. Between 62,000 and 86,000 additional residences and business establishments, valued at over $60 billion, are situated in regions facing a 1-in-30 likelihood of experiencing hurricane-related flooding.

Through advanced planning, businesses can strategically position themselves to effectively navigate a natural disaster.

The New Jersey Business Action Center (NJBAC), a part of the New Jersey Department of State, recommends these nine strategies to help small businesses endure natural disasters:

• Conduct a Thorough Risk Assessment: Understanding your business’s risks is crucial to disaster preparation. Evaluate the likelihood of hurricanes, floods, earthquakes and severe storms based on your location. Consider historical data, local climate patterns and advice from relevant authorities.
• Develop a Comprehensive Disaster Plan: A well-crafted disaster plan is the foundation of resilience. Outline detailed procedures for evacuation, communication and safety measures during a crisis. Assign roles and responsibilities to key personnel, ensuring everyone knows their part in the event of an emergency.
• Establish Communication Protocols: Clear and efficient communication is vital during a disaster. Establish a system for disseminating information to employees, customers and stakeholders. Utilize multiple channels such as emails, text messages and social media, and ensure that all contact information is current.
• Secure Critical Data and Records: Backing up essential data and documents is crucial. Store duplicates in secure off-site locations or utilize cloud-based services. Consider investing in data protection solutions that safeguard against loss or damage.
• Fortify Physical Infrastructure: Assess the vulnerabilities of your physical assets. Implement structural reinforcements, such as storm shutters, flood barriers, or earthquake-resistant construction where applicable. Regular maintenance and inspections can help identify and address potential weaknesses.
• Develop a Continuity Plan: A continuity plan outlines how your business will operate during and after a disaster. Identify critical functions and prioritize which operations must continue. Consider establishing off-site work locations and ensuring employees have the necessary tools and resources.
• Establish Relationships with Local Authorities: Forge connections with local emergency services, government agencies and community organizations. Understanding resources and protocols can be invaluable during a crisis.
• Train and Educate Employees: Conduct regular training sessions to familiarize employees with disaster protocols. Ensure they know how to respond appropriately and safely. Encourage a culture of preparedness by providing resources and conducting drills. Businesses should hold regular drills to test procedures and to ensure employees understand their roles and responsibilities during a disaster.
• Review and Update Policies Regularly: Natural disaster preparedness is an ongoing process. Regularly review and update your disaster plan to incorporate lessons learned from previous incidents and to reflect changes in your business operations or physical infrastructure.

Natural disasters cannot be avoided, but business owners can take safety precautions to protect their assets, minimize risks and contribute to the resilience of their communities. An effective disaster plan will ensure that your business and employees are prepared and safe in the event of a natural disaster.

The NJBAC provides several resources for small businesses to get assistance throughout the state. To learn more, visit www.nj.gov/state/bac or call 1-800-JERSEY-7.