Prepared for disasters image featuring a cyclone

Posted by & filed under General, Risk Control.

Post Content

Disaster can strike anywhere at any time, so make sure your nonprofit or Human Services organization is prepared. There are a variety of disasters, both natural and manmade, that can affect your organization, sometimes without any warning and little time to prepare. The best way to protect your organization is by having a plan in place that is reviewed annually. Employees, volunteers, clients and other key stakeholders all need to be taken into consideration, and informed, of the plan. Review the potential disasters below and make sure your nonprofit has a plan in place to help your organization stay safe.


Every disaster preparedness plan should include an annual review of insurance. Some nonprofits and Human Services organizations may be at a higher financial risk in case of a major disaster. Annually reviewing your current coverage with your agent helps you understand what is and is not covered. This is especially important when a disaster strikes so you understand what your risks are. Agents can help nonprofits make any requested changes at the time of renewal.


Cyberattacks can have disastrous and lasting results on a nonprofit or Human Services organization. It can lead to a loss of money, theft of personal information and damage to a nonprofit’s reputation. There are many steps your organization can take to protect itself from the potential disaster of a computer systems attack. Get started with your cybersecurity plan today.


Employers have a duty to their employees to protect them against the dangers of a workplace fire. Installing fire warning systems, training employees on the dangers of fire and what to do in case of a fire, are all necessary steps employers should take. Protect your employees, volunteers and anyone else on site from the dangers of fire by communicating the plan.


Floods are the most common natural disaster in the United States and can have a variety of causes. Failing to evacuate flooded areas or entering flood waters can lead to serious consequences such as injury and death. Just six inches of moving water can knock an adult down and one foot can sweep your vehicle away. Make a plan for both your nonprofit and your family in case of a flood, and know what to do if you have a few hours to prepare or just a few minutes. In case of a flood always remember “Turn Around, Don’t Drown!”


Hurricanes are dangerous natural disasters that can cause major damage. Knowing when to leave the area and when it will be safe to return are keys to staying safe during a hurricane. Make sure your organization has a plan in place covering what should be done before, during and after a storm. Communicating that plan to all key stakeholders is important so everyone can stay safe while also protecting your nonprofit. There may not always be a lot of time to prepare for a hurricane, make sure you create and review your annual plan before hurricane season begins.


The best way to be ready for a wildfire is by creating multiple plans that can be implemented based on the immediate risk for your area. To help protect your nonprofit from the risk, create defensible spaces and fire-resistant zones around your buildings, and build, renovate and make repairs with fire-resistant materials. Keep important documents in a fireproof, safe place, and have an evacuation plan. Listen to all evacuation orders and know when to leave your home or business.

Ready.Gov has resources to help you keep your nonprofit and families safe during these and other catastrophes. Plan early and often to help you stay prepared for all types of disasters.

Suggestions and comments contained herein are provided for purposes of general education only. Suggestions and comments are not intended for the purpose of providing you with legal advice or legal counsel, and are not intended to assure compliance with or complete analysis of any law, rule or regulation. In addition, suggestions and comments should not be interpreted to imply or infer that all exposures, hazards or loss potentials on any subject or issue were identified or considered. No warranty, or guaranty of accuracy, fitness or suitability, express or implied, is granted with respect to any of the information contained herein.

Products and services are provided by one or more insurance company subsidiaries of W. R. Berkley Corporation. Not all products and services are available in every jurisdiction, and the precise coverage afforded by any insurer is subject to the actual terms and conditions of the policies as issued.