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Hurricanes, tornadoes, fires, floods and hazardous or toxic material spills are just a few of the disasters we face living along the Texas Gulf Coast. A home away from homeEvery animal in your house should have a crate - a molded plastic carrying case. Check your yardMake sure all fencing is secure and all holes and potential escape routes are blocked. Plan aheadIdentify animal shelters, local boarding facilities, veterinarians, motels and friends or relatives that may temporarily house your pet after a disaster.If you evacuate, take your pet! Use this checklist as a guide for building your own disaster preparedness kit for your pet.
You’ll be assessed a 1% penalty off your gross income–your household income before taxes.
We regularly host educational events to keep our clients well informed of the latest changes.
We believe in building relationships with clients and carriers, and serve as your healthcare advocate in our partnership together.
You see him and you think me and I knew if you saw him first you would be afraid because it is frightening! Our agency can deliver the strategies, tools and resources that will help you prepare for a business interruption – whether by fire or by water, by theft or by security breach. Our agency has the resources to assist you in preparing and dealing with a business interruption to minimize your losses during these trying times. Our business contingency plan and steps will help you create a policy to help you prepare for various emergencies. It is your job to protect your employees during an emergency, and we have the resources to help you do so. Since Mother Nature can be unkind at times, we have information for your employees to educate them on how to act in the event of a natural disaster, such as a hurricane, tornado, earthquake or flood. There must be an individual or group in charge of developing the emergency management plan.
Also, develop an initial budget for such things as research, printing, seminars, consulting services, and other expenses that may be necessary during the development process. This step entails gathering information about current capabilities and possible hazards and emergencies, and then conducting a vulnerability analysis to determine the facility’s capabilities for handling emergencies. Meet with Outside Groups – Meet with government agencies, community organizations, and utilities.
The purpose of this plan is to define the recovery process developed to restore our company’s critical business functions.
Business functions will be recovered in priority sequence based upon the classification of the function as agreed with business senior management and implemented jointly. Communications concerning the recovery status will be coordinated through the Business Contingency Planning Team so that those executing the recovery will not be interrupted repeatedly for status. Purchase and acquisition of equipment and supplies needed for the recovery effort will be coordinated through company Department Heads.
The contingency planning infrastructure will provide for coordination of travel arrangements, food and accommodations for individuals supporting the recovery effort. Non-critical functions, such as Development and Test environments, will be cleared without backup as necessary to support the recovery efforts. In the event of pandemic influenza, businesses will play a key role in protecting employees’ health and safety as well as limiting the negative impact to the economy and society. Determine potential impact of a pandemic on business-related domestic and international travel (e.g. Find up-to-date, reliable pandemic information from community public health, emergency management, and other sources and make sustainable links. Evaluate employee access to and availability of healthcare services during a pandemic, and improve services as needed.
Each year, emergencies take their toll on business and industry— in both lives and dollars. Regardless of whether you operate from a high-rise building or an industrial complex, or you rent, own, or lease your property, your first priority is to protect the health and safety of everyone in your facility. Planning for emergencies is critical in assisting you in assigning responsibilities and procedures when responding to fire, chemical, weather, utility or medical emergencies. If you already have an evacuation plan, make certain your plan has accommodated any changes.
Establish procedures for assisting non-English speaking workers and those with disabilities. The details involved in evacuation planning range from major to minor, but decisions have to be made, written down, presented, and practiced regularly. Employees need to know what to do, and know it so well that they can put the plan into action even when they are rattled.

Being prepared for a catastrophe lessens the potential for injury, lost lives and property damage.
Our company is one of the most experienced property and casualty insurance brokerage consulting firms in the state, serving the region’s finest businesses. We can also watch for frayed electrical cords and overloaded circuits, and dispose of flammable wastes and scraps by placing them in metal containers. Also, if you have to burn waste paper, make sure it doesn’t contain explosive materials, such as aerosol or paint. Even if these things do not directly concern you, it’s still your responsibility to keep your eyes open for safety hazards and report them to your supervisor. This flyer is for general informational purposes only, and is not intended as medical or legal advice.
Advise management and employees to report any suspicious persons or activity in or around the facility.
Establish and follow visitor control procedures such as mandatory sign-ins, name badges, escorts, orientation, etc. Survey locks, fences, exterior lights, and other physical security devices to ensure that they are in place where needed and in proper operating condition.
Pay special attention to areas containing stocks of explosive, flammable, or toxic chemicals. Evaluate critical locations in your facility for proper security such as the electric, telephone, and gas units, building entrances, transformers, outside storage units, and computer rooms. Have your local fire department conduct a pre-planned visit to [Your Company].  While there, they can identify target hazards and plan fire suppression priorities. Always review significant facility or process changes with your Axis Insurance Group representative.
Keep copies of insurance policies and other critical documents in a safe and accessible location (e.g. Have telephone call lists available (include cell phone and pager numbers) for all key personnel so required staff members can be contacted during non-working hours from any location.
Consider establishing an alternate method for your phone service if the switchboard becomes unusable (e.g. Be sure your emergency response philosophy reflects that human life is always more valuable than property. Hurricane season lasts from June through November, when storms with heavy rains and catastrophic winds can severely damage or destroy homes in low-lying coastal areas. Plan evacuation routes and designate a “post-disaster contact” that family members know to call after a hurricane.
Refill prescriptions, fill up your car’s gas tank, and withdraw a week’s worth of cash, as power outages may temporarily interrupt services.
Use only bottled water until tap water is determined safe, and do not eat foods stored in the refrigerator if the power was out. Although earthquakes are not common in the southeast,, earthquakes are unpredictable and strike without warning. Prepare an emergency earthquake kit with warm clothing, food and water to last at least 72 hours. Organize a planning session to be conducted by your local emergency response authorities. Seek immediate shelter under a heavy desk or table, or brace yourself inside a doorframe or against an inside wall. And don’t be surprised if the electricity goes out, fire or elevator alarms begin ringing, or if the sprinkler system is activated. Unless absolutely necessary, do not attempt to evacuate or leave your area until you have been instructed to do so.
Earthquakes typically strike without warning.  Learn the steps you can take before, during and after an earthquake to minimize your risk. Note: This is for information purposes only, and is not intended as medical or legal advice.
Familiarize your pet with the crate before the disaster strikes so that they will be comfortable when it is necessary.
Most people have commonly heard the penalty is only $95, but that’s incorrect information. We always start with a one-on-one discussion to review your healthcare needs, and we shop around with multiple insurance companies to find the best coverage and policy ratte to fit your budget. In the event that something does occur, you will know how to spring into action to reduce your losses. Have the chief executive or plant manager issue a mission statement to demonstrate the company’s commitment to emergency management. Ask about potential emergencies and about plans and available resources for responding to them.

The plan components detail our procedures for responding to an emergency situation, which affects our company’s ability to deliver core services to our customers or our ability to meet investors, legal or regulatory requirements.
This plan includes identification of key contacts (with back-ups), chain of communications (including suppliers and customers), and processes for tracking and communicating business and employee status. Confusion in the assembly areas can lead to unnecessary and dangerous search and rescue operations. Their knowledge and experience have earned the trust of many businesses throughout the area. Learn the leading causes and become familiar with fire safety practices to eliminate fire safety hazards! If you’re away from home at the time, the sound might bring on a feeling of concern for the safety of your family.
We can comply with regulations, obey “No Smoking” signs, and dispose of cigarettes and matches by placing them in the proper receptacles, and making sure they are extinguished. Combustible materials and fumes from paint, solvents, and other flammables are responsible for fires at home and at work. Review where fire extinguishers are located and what types of fires they are to be used on. If you use electrical equipment or tools, inspect them regularly to make sure they are working correctly. Successfully implementing these security measures requires you to effectively engage various groups within and outside of your organization, including supervisors, managers, employees, outside contractors, or municipal services.
Establish a monthly inspection of your security perimeter and key protective features of your facility. These areas should be properly secured and inventoried, with reduced hands-on contact of these materials if possible. Some police departments provide excellent information and support to businesses and industries. Ideally these records should be backed-up and transmitted or sent off-site on a daily basis. Therefore, it is important to thoroughly know what steps to take should one occur so you can react quickly and stay safe.
As in independent agency with an extensive presence in the local San Antonio community, Texas, New Mexico, and Arizona, Zinn Insurance offers unrivaled products and services. These materials are intended to be used only as guides and should not be used, adopted, or modified without the advice of legal counsel.
To assist you in your efforts, the Department of Health & Human Services and the Centers for Disease Control and Prevention have developed the following checklist for large businesses.
You can limit injuries and damages, and return to normal operations more quickly if you have an Emergency Action Plan in place. The intent of this survey is to gather information to evaluate our employees’ ability to respond should an emergency or disaster occur. Fumes can travel a considerable distance and become ignited by a furnace, stove, electrical equipment, or even a lit cigarette.
While there are many legitimate reactions to these warnings, your best course of action is to review your security and disaster readiness plans.
Remind employees that they should never attempt to enter areas that are closed by police or other emergency responders.
Think as clearly as possible, and anticipate the sights and sounds that may accompany an earthquake. He's already been all the Saturdays it takes to be that Saturday, but whatever happened is still coming for me, I still have to stand up for the hurts and the grief that made him and I can't not do it, but knowing I will is like looking at a hot stove and knowing you're going to touch it, knowing you're going to burn, and feeling the blisters and the peeling before even you reach out your hand. Establish a clear line of authority between group members and the group leader, though not so rigid as to prevent the free flow of ideas. These materials are presented, therefore, with the understanding that the Company is not engaged in rendering legal, accounting, or other professional service. It identifies specific activities large businesses can do now to prepare, many of which will also help you in other emergencies. No one can predict what, if any, impact terrorism could have on your company.  What we do know is that criminal activity and natural disasters are a clear danger each and every day. If legal advice or other expert assistance is required, the services of a competent professional should be sought.

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