Protect Your Business From Flooding: Practical Steps For Peace Of Mind

At Everywhen, we’re here to help you protect what matters most. As Storm Bram brings weather warning across the UK, if your business is not prepared against flooding, you could find that your people or your premises are affected. With recent winters among the wettest on record, now is the time to review your flood defences and make sure your business is ready.

A well-prepared plan can make all the difference when the unexpected happens. Make sure your colleagues understand the business continuity plan and their responsibilities. Review it regularly and keep a copy in a safe location away from flood risk.

If flooding is likely, take these steps:

• Close the business early to avoid anyone becoming trapped. Even if your premises are safe, access roads may not be.

• If people remain inside, ensure they have essentials such as food, water, first aid, mobile phones and a battery-powered radio.

• Move company vehicles to higher ground.

• Switch off gas, water and electricity if advised.

• Have emergency lighting and small generators ready.

• Relocate valuable stock and equipment to a safe level.

• Keep customers and suppliers informed as the situation develops.

• Store key contact numbers in your phone, including your insurance claims helpline, local authorities and utilities.

Relocating is rarely practical, but you can take steps to limit damage and speed up recovery:

• Install demountable flood barriers or boards for doors and openings.

• Fit automatic flood-proof air bricks or covers to prevent water ingress.

• Add non-return valves to drainage systems.

• Use resilient flooring where possible.

• Raise electrical fuse boxes, sockets and wiring above likely flood levels.

• Store key stock and IT equipment higher up, and back up data regularly to an offsite location.

• Anchor fuel and liquid storage tanks to prevent them floating.

Business interruption insurance can cover lost income, but these actions will help you return to normal faster:

• Keep an up-to-date inventory of equipment and contents to speed up replacements.

• Identify alternative premises for staff or storage in advance.

• Maintain contact lists for estate agents, builders, contractors and IT specialists.

• Keep colleagues informed and update major customers and suppliers regularly. An email distribution list can help, provided it is GDPR compliant.

• Log all actions and expenses to support your insurance claim.

Severe weather can strike without warning, but with Everywhen by your side, you'll be better equipped to respond confidently and keep your business prepared. Our experts take the time to understand your everyday challenges and create cover that fits your needs. We understand that insurance claims can be stressful, which is why we aim to make the process as straightforward and supportive as possible.

If you want a review of your current policy, get in touch today and let us help you keep your business moving, whatever the weather brings.