In today’s world, commercial property owners encounter a multitude of risks. Whether it’s the greater frequency of severe storms like last year’s Superstorm Sandy, preparation for appropriate emergency response in light of the recent shopping center bombing in Kenya, or some unforeseen force majeure, landlords/owners/developers need to ensure that they are appropriately insured to not only reduce risk, but also to manage risk appropriately after a disaster occurs.

Review Your Policy. The first step any owner should take when approaching disaster planning is a thorough review of the insurance policies for each site. Too many times the policy is thrown in a file and only picked up after an incident occurs. That’s just too late.  Like other aspects of your business that are reviewed on a regular basis, so too should you review your insurance policies.  

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