• Facebook
  • Pinterest
  • Twitter
  • Linkedin

Customer Login

InsuranceHub
Call Us Today(770) 497-1200
TRUSTED FOR30+ YEARS
MENU
  • PERSONAL
    • AUTO
      • Car Insurance
      • Boat Insurance
      • RV Insurance
      • Motorcycle Insurance
    • HOME
      • Homeowners
      • Condominium
      • Flood
      • Renters
      • Rental Property
      • Umbrella
    • HEALTH
      • Group Health
    • LIFE
    • Close
  • BUSINESS
      • Commercial Property
      • Commercial Auto
      • Commercial Umbrella
      • Surety & Fidelity Bonds
      • Directors and Officers
      • Special Events
      • Employee Dishonesty
      • Employment Practices Liability Insurance (EPLI)
      • Business Owner’s Policy
      • Cyber Liability
      • General Liability
      • Professional Liability
      • Liquor Liability
      • Product Liability
      • Spoilage Insurance
      • Equipment Breakdown
      • Workers Compensation
      • Group Benefits for Employees and Independent Contractors
      • Employer Services
      • Errors And Omissions
      • Crime Insurance
      • Inland Marine
      • Business Interruption
    • Close
  • INDUSTRIES
      • Auto Body Shop
      • Auto Services
      • Accountant / Auditor
      • Apartment Owners/ Habitational
      • Architecture/ Engineering
      • Carpet Cleaning & Janitorial
      • Chiropractic Office
      • Contractors
      • Dance School
      • Daycare
      • Employment Agency
      • Financial Planner 
      • Food Store
      • Home-Based Business
      • Garage Keepers
      • Landscaping Services
      • Lawn Irrigation
      • Liquor Store
      • Machine Shop
      • Manufacturing
      • Mortgage Broker
      • Nonprofit
      • Personal Care Services
      • Pet Care
      • Photography/ Videography
      • Portrait Studio
      • Printing & Copying Services
      • Professional Organizer
      • PR Firm
      • Real Estate Agent
      • Religious Institution
      • Restaurant
      • Retail
      • Electronics Store
      • Furniture Store
      • Gift Shop
      • Salon
      • Security System Contractor
      • Sheet Metal Fabrication
      • Technology
      • Theatrical Agency
      • Tow Trucks
      • Wholesale Distribution
      • Women’s Accessory Store
    • Close
  • RESOURCES
    • Pay Your Bill/ Report A Claim
    • FAQs
    • Insurance Glossary
    • Close
  • BLOG
    • Home Insurance
    • Auto Insurance
    • Business Insurance
    • Transportation
    • Close
  • ABOUT
    • Leadership Team
    • Careers
    • Contact
    • Corporate Responsibility
    • Review Us
    • Stay Connected on Social Media
    • Close
GET QUOTE

How to make your business fireproof

Home | Business Insurance | Tips | How to make your business fireproof

27 Apr
2017

How to make your business fireproof

by Katelyn Betts | in Business Insurance, Tips
How to make your business fireproof

No business owner wants to consider the possibility of their business going up in flames. If your business were to be burned to the ground, the financial burden would be staggering. You’re facing not only the costs of rebuilding the premises itself but also the cost of your lost income and profits. Most businesses that face a fire don’t end up reopening after the fact. The good news is that there are some steps you can take to lower the chances of that happening.

1. Prevent a fire before it happens.

Making sure a fire doesn’t destroy your facility is the best way of ensuring that you don’t have to face that loss. A fire can’t hurt you if it never happens, right? To prevent a fire from occurring in your business, take the following into account:

  • Keep your facilities up to code, building, fire, and otherwise.
  • Inspect your electrical equipment regularly, keeping an eye out for damaged or fraying cords or circuits that are overloaded.
  • Make sure that your employees understand what could pose a fire risk and know to report any risks they see.

2. Trip out your building with sprinklers.

The sooner you can dump a whole bunch of water on a fire, the better. Make sure that you have a sprinkler system installed in your building, and that you have it inspected and maintained on a regular basis—sprinklers won’t do much good if they don’t work.

There are many benefits of a sprinkler system. Though the system is an expense initially, the perks of having it will soon make it pay for itself. A sprinkler system can help you…

  • Lower your property insurance premiums (take note that you have to have the system inspected—it has to be up to scratch to qualify.)
  • Reduce your losses if a fire did happen.
    • Sprinkler systems will keep the fire contained, meaning that the overall damage will be less than if it spread unchecked.
  • Get your business back on track more quickly.
    • Less damage means less time to repair and rebuild.
  • Adhere to codes.
    • You’re responsible for keeping your business as safe as possible.

Get an insurance quote and save money today on your home insurance

3. Have a fire alarm system and smoke detectors.

This is Fire-Smarts 101. Make sure that you’re maintaining your fire alarm system and your smoke detectors so that you can keep your employees safe and let the fire department know that they need to come do their thing.

4. Have plenty of fire extinguishers.

Fire extinguishers can help keep things from getting out of hand if a small fire starts. The white foamy stuff is magic. Make sure that your employees know where the fire extinguishers are located in case a heated situation comes up.

5. Make sure people can see where they’re going.

Your building should have emergency lighting and signage that tells people where to go to get out of the building safely.

This will reduce chaos and help people get out of the building as efficiently as possible, and reduce the general panic.

6. Have an evacuation plan and do fire drills.

You should have a written disaster plan that tells your employees what to do in the event of a disaster—and yes, fires definitely qualify as disasters. Everyone needs to know how to be safe if something happens. There’s no time to fumble around trying to figure out what to do when the building’s on fire.

7. Know your insurance.

One of the best things you can do for your business is make sure that you have enough insurance to cover the losses that could result from a fire. Property insurance can cover the damages to your premises, but it won’t make up for the time that you have to close your business and your lost profits.

To make sure that your business won’t end up facing the no-money-coming-in financial situation, you can consider adding Business Interruption Insurance to your property insurance policy.

Business Interruption can be a big help. Here are the basics of what you need to know:

  • Business Interruption can reimburse you for the lost income resulting from a covered loss.
  • If you end up in a temporary location, BII can cover the expenses of working out of the new locale.

Keep in mind a few fun facts about Business Interruption Insurance:

  • The point is to have enough coverage to take care of your business for the amount of time it’ll take to rebuild your premises (which could take a while.)
  • You have to add it to another insurance policy. You can’t have BII on its own.
  • The price depends on the risk of your business, its location, and how mobile you are (how easily you can work out of a new location.)
  • Note that property insurance only covers the cost of physical loss or damage. BII steps in to cover your lost profits.

Make sure that you read the fine print of your insurance policy and go over it with your agent. It’s important to make sure that you’re completely protected from a fiery disaster—you don’t want everything you’ve worked so hard for to go up in smoke.

Get a quick homeowners insurance quote

If you have any questions about reducing your fire risks, we’d love to hear them! Our agents know how to insure your business against fires (and pretty much any other disaster you can think of.) Don’t leave yourself at risk of having your business destroyed by a fire—do everything you can to prevent fires and make sure that you’re covered with a fireproof insurance policy.

Need business insurance? Well, you’ve come to the right place! Click here to get a free quote for insurance for your business.

Share this article...
  • Facebook
  • Pinterest
  • Twitter
  • Linkedin
Tagged building fires, workplace fire

About Katelyn Betts

Kate is a copywriter and licensed insurance agent for InsuranceHub. She graduated from the Savannah College of Art and Design with a BFA in writing. Kate has lived in Georgia for most of her life, and she enjoys reading, writing, and playing with her family's cats.

Post navigation

Tips for preparing your family’s disaster kit
10 tips that will make you a pesticide safety pro

Related Post

Keep Toasty With A Great Winter Soup

Keep Toasty With A Great Winter Soup

10 Tips for Enjoying the Gemini Meteor Shower

10 Tips for Enjoying the Gemini Meteor Shower

National Safe Toys & Gifts Month

National Safe Toys & Gifts Month

CALL FOR A QUOTE!

(770) 497-1200

Speak with an insurance agent who can deliver transparent insurance options and competitive rates. Shop across all our carriers and get a fast & free quote!


Online Quote Form

Recent Articles

  • Buying the Right Amount of Insurance for High-Value Homes February 24, 2021
  • Tax Benefits of Registering an Exotic Car in Montana February 17, 2021
  • Transportation Company Insurance – So Much More than Trucking Insurance February 10, 2021
  • Homeowners Insurance Does Not Protect Your Home-Based Business February 3, 2021
  • 8 Habits of Successful Towing Businesses in 2021 January 25, 2021

Article Archives

  • February 2021 (4)
  • January 2021 (4)
  • December 2020 (5)
  • November 2020 (1)
  • October 2020 (8)
  • September 2020 (7)
  • August 2020 (4)
  • July 2020 (5)
  • June 2020 (4)
  • May 2020 (4)
  • April 2020 (6)
  • March 2020 (7)
  • February 2020 (4)
  • January 2020 (11)
  • December 2019 (11)
  • November 2019 (11)
  • October 2019 (15)
  • September 2019 (11)
  • August 2019 (13)
  • July 2019 (13)
  • June 2019 (12)
  • May 2019 (14)
  • April 2019 (13)
  • March 2019 (13)
  • February 2019 (14)
  • January 2019 (13)
  • December 2018 (13)
  • November 2018 (18)
  • October 2018 (16)
  • September 2018 (10)
  • August 2018 (10)
  • July 2018 (13)
  • June 2018 (10)
  • May 2018 (15)
  • April 2018 (10)
  • March 2018 (9)
  • February 2018 (9)
  • January 2018 (12)
  • December 2017 (9)
  • November 2017 (10)
  • October 2017 (9)
  • September 2017 (8)
  • August 2017 (9)
  • July 2017 (10)
  • June 2017 (9)
  • May 2017 (10)
  • April 2017 (10)
  • March 2017 (8)
  • February 2017 (6)
  • January 2017 (4)
  • December 2016 (5)
  • November 2016 (8)
  • October 2016 (8)
  • September 2016 (7)
  • August 2016 (9)
  • July 2016 (8)
  • June 2016 (8)
  • May 2016 (6)
  • April 2016 (9)
  • March 2016 (9)
  • February 2016 (7)
  • January 2016 (3)
  • December 2015 (4)

About Us

At InsuranceHub, it’s our mission to make insurance easy. Our goal is to be more than just an insurance agency. We want to be a partner and an advisor to our customers.

© 2020 InsuranceHub Agency, LLC. All rights reserved.

Licensing & Legal

Company Information

  • About Us
  • Leadership Team
  • Careers at InsuranceHub
  • Connect on Social Media
  • Pay Your Bill
  • Customer Login

Communications

  • Our People
  • Leadership
  • Careers
  • Corporate Responsibility
  • Review Us

Your Security Is Our Priority

1720 Lakes Parkway
Lawrenceville, GA 30043

Phone: 877-341-5728
Phone: 770-497-1200
Fax: 770-814-7187

FEW-0630AO (11/2018)
  • Auto
  • Life
  • Health
  • Business
  • Privacy Policy
MENU
  • PERSONAL
    • AUTO
      • Car Insurance
      • Boat Insurance
      • RV Insurance
      • Motorcycle Insurance
    • HOME
      • Homeowners
      • Condominium
      • Flood
      • Renters
      • Rental Property
      • Umbrella
    • HEALTH
      • Group Health
    • LIFE
    • Close
  • BUSINESS
      • Commercial Property
      • Commercial Auto
      • Commercial Umbrella
      • Surety & Fidelity Bonds
      • Directors and Officers
      • Special Events
      • Employee Dishonesty
      • Employment Practices Liability Insurance (EPLI)
      • Business Owner’s Policy
      • Cyber Liability
      • General Liability
      • Professional Liability
      • Liquor Liability
      • Product Liability
      • Spoilage Insurance
      • Equipment Breakdown
      • Workers Compensation
      • Group Benefits for Employees and Independent Contractors
      • Employer Services
      • Errors And Omissions
      • Crime Insurance
      • Inland Marine
      • Business Interruption
    • Close
  • INDUSTRIES
      • Auto Body Shop
      • Auto Services
      • Accountant / Auditor
      • Apartment Owners/ Habitational
      • Architecture/ Engineering
      • Carpet Cleaning & Janitorial
      • Chiropractic Office
      • Contractors
      • Dance School
      • Daycare
      • Employment Agency
      • Financial Planner 
      • Food Store
      • Home-Based Business
      • Garage Keepers
      • Landscaping Services
      • Lawn Irrigation
      • Liquor Store
      • Machine Shop
      • Manufacturing
      • Mortgage Broker
      • Nonprofit
      • Personal Care Services
      • Pet Care
      • Photography/ Videography
      • Portrait Studio
      • Printing & Copying Services
      • Professional Organizer
      • PR Firm
      • Real Estate Agent
      • Religious Institution
      • Restaurant
      • Retail
      • Electronics Store
      • Furniture Store
      • Gift Shop
      • Salon
      • Security System Contractor
      • Sheet Metal Fabrication
      • Technology
      • Theatrical Agency
      • Tow Trucks
      • Wholesale Distribution
      • Women’s Accessory Store
    • Close
  • RESOURCES
    • Pay Your Bill/ Report A Claim
    • FAQs
    • Insurance Glossary
    • Close
  • BLOG
    • Home Insurance
    • Auto Insurance
    • Business Insurance
    • Transportation
    • Close
  • ABOUT
    • Leadership Team
    • Careers
    • Contact
    • Corporate Responsibility
    • Review Us
    • Stay Connected on Social Media
    • Close