6 ways benefit advisers can prep for Hurricane Florence
Benefit advisers must prepare for Florence and the potential suspension of normal business operations in the coming weeks.

Here is what benefit advisers can do to serve their clients and their employees in the hours and days before the storm hits.
Communicate a disaster recovery plan
Inform your clients and co-workers how you will operate after Hurricane Florence passes and rescue and recovery efforts commence. Clients will need to know how to reach you, and your co-workers will need to know how they can deliver services to clients in the wake of the storm. If your benefit advisory firm has an offsite disaster recovery center, share the address with colleagues and phone number with clients.
Forward all calls and emails to mobile phones
Telephone and Internet connectivity may be spotty at best and disabled at worst during and after the storm. Have all forwarded office calls routed to your mobile phone. Make sure to have the phone numbers of key staffers and clients.

Change the outgoing greeting to your office telephone directory to state where clients can reach their advisers. Also, add your personal mobile phone number to your email and consider adding your personal email address as a backup as well.
Form a texting chain
If voice calls are limited due to network availability issues, establish a text message chain with employees to ensure an open line of communication.
Back up all client data
Even if your computer files are stored in the cloud, back up as much work data as possible. For contact information and critical business files, back up files to a USB stick. As a fall back plan, email them to yourself. As an extra precaution, print out your client information. Last year, a principal with Houston's Clarus Benefits Group took a hard copy of all client data with him when he left his office before Hurricane Harvey struck.

Check with your IT supervisor to make sure the data is safe and can be accessed from home, on the road or a disaster recovery facility, if your benefit brokerage has designated one.
Open the office to advisory employees and their families
After Hurricane Harvey, benefit brokerage Ascende - a branch of EPIC Insurance Brokers & Consultants - offered its offices for employees of the firm who lost their home to flooding. If your office is in an area with minimal damage, consider making your workplace a safe haven for co-workers and their families until they can return to their homes.
Suggest clients' employees have ID information available
Employees will most likely contact their health insurers for medical coverage and prescription questions in the wake of the storm. One adviser suggested that employees write down their account numbers and the contact information of their insurer in case they do not have an insurance ID card handy. Also, remind clients to have their log-on and password information on hand when accessing benefits and medical coverage online.
Inform clients and colleagues of free services
After Hurricane Harvey, the National Association of Health Underwriters launched a gift card drive for members in Texas who had been displaced by the storm. One brokerage started a GoFundMe account to help fellow advisers who lost their homes in the flooding. Telemedicine provider MDLive offered a one-time, free video consultation with a doctor to any victim of Hurricane Harvey, for example.