Business interruptions are bad enough when they’re on purpose. But when they happen accidentally, well, that’s just the tip of the iceberg. You know when you have a deadline looming and you can’t finish your work? It’s not pretty, but it’s a fact of life that you can’t avoid. Even though we like to think of ourselves as hard-working professionals who take our jobs and company responsibilities very seriously, there are times when we get hit with some serious setbacks. And even though we’d like to believe that we’re above such things, sometimes it happens so fast that it plagues us for days on end.
Define Your Business Interruption Needs
Before we get into the nitty-gritty of how to avoid Business Interruption Insurance, let’s talk about what we actually need. When it comes to interruptions, we need to define what we want to interrupt and when.
Be Realistic About The Timing Of Your Businesses
Another thing we can’t control is the timing of our businesses. For example, if you own a small business and you have meetings every week, it’s highly unlikely that you have the luxury of a set schedule. You may have one meeting a day, or you may have 35 in a month. Sometimes you may need to get away from the office for a few hours to attend a meeting or to take some time off to tend to your personal needs. In these cases, it’s important to be realistic about the timing of your business. Ideally, you want to schedule them so that you can get through the interruption as quickly as possible, but without actually causing a disruption.
Look For Other Options
As we mentioned above, there are some situations where a business interruption isn’t such a big deal. For example, if you have a daily commute, you probably don’t want to turn off your computer and stop working when the light changes. That would be crazy. So, you might consider putting your computer in aeroplane mode or trying to choose less important tasks while still finishing your work. There are some situations, though, where we really do need to turn off our computers and get away from our work for a while. That needs to be defined as well.
Finally, we have to stay optimistic about the situation. It’s human nature to look for the good in every situation, but the truth is that we all have to stay positive. Even if things are going badly, you have to remind yourself that you’ve still got a lot going for you. You’ve got your job, you’ve got your health, and you’ve even got consecutive-day-on-the-job-risk.