2010 Business Continuation Planner

Business Continuation Planner 2010

Sponsored by

Restoring Peace of Mind

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Business Continuation Planner 2010

3

Welcome from our sponsors I

would

like

to

welcome

you

to the fifth edition of the Business Continuation Planner. ServiceMaster of Charleston has had the pleasure of being a sponsor since the inception of this publication. We’ve been involved because we know how critical it is for any business to prepare for the unexpected.

Lawton Hayes ServiceMaster of Charleston

A

plan

can

make

the difference in how fast your business can reopen after a disaster, minimizing

business

interruption.

The steps you take before and after the event will greatly affect your outcome. This book lists the top companies in many business categories that are all here to assist you in successful business continuity planning. We hope you find this to be a valuable tool in the successful operation of your business, in good times and in the unfortunate event of a disaster.

Having supported South Carolina’s IT needs over the past two decades, and opening South Carolina’s only Tier IV Data and Business Continuity Center in January, it is Integral Solutions Group’s pleasure to sponsor the 2010 Business Continuation Planner. As businesses continue to face growing regulatory issues, mounting business continuity Russ Weber President, Integral Solutions Group Secretary, JM Smith Corp.

Contents O

ne in four businesses will experience a crisis at some point, according to the Charleston Metro Chamber of Commerce’s Business Continuity Planning Council. Forty-three percent of those businesses will never reopen. Of those that do reopen, 29% are still operating two years later.

Becoming a statistic is avoidable if you take the time to examine the potential threats you and your company face and then create a plan to handle them.

Often, the first disasters that come to mind are hurricanes, floods and fires. But have you considered earthquakes, utility outages, theft, vandalism, computer viruses, pandemic outbreaks, terrorism, human error, the death of a CEO or an economic downturn?

By taking stock of your business and creating a solid plan, your business will be better equipped to handle most adversity. We hope that the information within this year’s Business Continuation Planner helps you do just that.

16 Preparing for disaster 17 Business succession planning 18 In an instant Social media can help businesses

keep employees and customers informed

19 Emergency planning

mandates and escalating needs for network optimization, we are proud to serve as a solid resource partner

Lists

and adviser alongside the Business

21

Federal Flood Insurance Companies

Continuation Planner. Preparedness

23

Disaster Cleanup Companies

mitigates risk, and with a detailed business continuity plan we ensure the

24

Fire Insurance Companies

constant advancement of business objectives despite the forecast.

24 Earthquake Insurance Companies 25

Property & Casualty Insurance Companies

26 Law Firms – Consumer Fraud 26 Emergency Resource Guide

Business Continuation Planner 2010

4

Preparing for disaster

A business continuation plan prepares your business to recover quickly in the event of disruption

By Allison Cooke Oliverius aoliverius@scbiznews.com

H

urricane season is the time most businesses and individuals think about the importance of having a business continuity plan in place. But disaster can strike at any time of year.

“It’s very difficult to think of all the possible things that can impact your business. Take the eruption of the volcano in Iceland and the oil spill (in the Gulf) for example,” said Scott Cave, a certified planner with Atlantic Business Continuity Services of Summerville and chairman of the Charleston Metro Chamber of Commerce’s Business Continuity Planning Council.

“The point is, if you have a good plan in place that deals with the fundamental things you need to cover, you will be well-prepared for pretty much whatever is thrown at your business — even the things you can’t conceive of,” he said.

Cave, who has created business continuity plans for private businesses and municipalities, suggests focusing on the four P’s: people, property, place and processes.

People: Employees will help carry out the business continuity plan, so make sure they

are well-informed.

Property: Your property includes all of your physical assets, including computers, backup hardware and software.

Make sure these assets are adequately insured.

Place: Business owners should line up two alternative work sites. One location should be close and quickly accessible if something happens to your building or office space. The other location should be in another city in the event of a required evacuation.

Processes. Make sure all processes are well-documented, that critical files are being backed up off-site and that employees are cross-trained to handle a variety of jobs.

“Flexibility and documentation can help you to continue operations with any level of staff at any given time,” Cave said.

Creating a plan

“We need to be aware of natural disasters, of course, and plan for them, but they don’t happen too often, thankfully,” Cave said.

Far more common are IT failures,

human error or a power outage.

Creating a plan to bounce back from any sort of business disruption can take some time, depending on the size of your company and the complexity of your business. Cave said it can take about 20 to 30 hours to perform initial assessments and create a continuity plan for a company that has one location and 10-15 employees.

For do-it-yourselfers, there are a variety of free resources online, including step-by-step plans and check lists.

But Cave’s company is there for business owners who might not have the desire or the time to devote to the process.

Whether you create the plan yourself or have someone do it for you, two key elements to making the plan a success are to test it and to update it.

“One of the most difficult parts of the process is that once a company creates a plan, they tend to check it off their to-do list,” Cave said. “The biggest danger in creating one is thinking you are done with it. The plan needs to be tested and updated for it to remain effective. As your company changes and grows, if the plan hasn’t been looked at or touched, it may not be relevant by the time you need it. It’s an ongoing process that needs maintenance.”

Peace of mind

Once a plan has been created, “You don’t have to think of all the ‘what-ifs,’ ” Cave said. “If you just focus on the basics, it’s amazing to me how well-prepared a business can be. The key to resilience and long-term ability to survive is flexibility. These tools allow the business to be flexible and handle the disaster.”

Cave adds that you can use your contingency plan as a marketing tool.

“Let your customers know you have a plan in place to help avoid an interruption in business,” he said.

“There is a lot of peace of mind in protecting your business.” cr bj

Your plan

Create a team. Whether you assemble a team in-house or hire a certified planner, establish who will assess your company’s situation and what is needed to keep it running. The team will use the assessment to create a continuity plan and implement it.

Create a list of employees, customers and vendors. You will need to connect with employees, vendors and customers. Create and distribute a list of company employees and contact information, as well as a list of suppliers, shippers, resources and other businesses with which you might interact on a daily basis. Ask your vendors what their contingency plans are.

Establish lines of communication. Consider creating hotlines — one in town and one off-site — and staff them to receive calls and disseminate information. You might consider setting up an arrangement with a supplier through which you can route calls in a disaster, and vice versa. You might also want to establish an interactive website on which employees can post messages.

Set up a temporary office. If your building is inaccessible, make sure employees know where they need to go. Consider talking to a supplier about setting up a temporary office where you can conduct business in a disaster, and vice versa.

Have your documentation. Make sure important financial records, customer and supplier information and insurance information are backed up off-site in case you can’t access your building or your files are destroyed. You will need access to insurance information if you need to file a claim.

Have cash on hand. Be prepared to make payments on regular business expenses, including payroll.

Communicate and test your plan. Make sure all employees are aware of the plan and what their responsibilities are. Experts say your business is still at risk if you fail to test your plan and update it annually.

Impact of occupational fraud Occupational fraud has increased during the economic downturn, according to the Association of Certified Fraud Examiners.

Key findings of a study conducted in 2009 by the organization reveal: • The typical organization loses 5% of its annual revenue to fraud.

• Small organizations are disproportionately victimized by occupational fraud because they typically lack anti-fraud controls as compared to their larger counterparts.

• Frauds last a median of 18 months before being detected.

• Occupational frauds are much more likely to be detected by tip than by any other means.

• More than 80% of the frauds in the study were committed by individuals

in one of six departments: accounting, operations, sales, executive and upper management, customer service, and purchasing.

• Fraud perpetrators often display warning signs that they are engaging in illicit activity. The most common behavioral

red flags displayed by the perpetrators in the study were living beyond their means (43% of cases) and experiencing financial difficulties (36% of cases).

Sources: Fraud and Forensic Accounting Practice within Elliott Davis LLC, Association of Certified Fraud Examiners

Business Continuation Planner 2010

Business succession planning

By Allison Cooke Oliverius

T

aoliverius@scbiznews.com

here comes a time when business owners must face the difficult task of deciding what will happen to their company when they retire or if something suddenly affects their ability to lead the company.

“The first step is to determine what you want to do with the business,” said Bob Rogers, owner of Profit Associates, a business consulting firm. “Do you want to sell it? Do you want to pass it on? Do you have anyone who can afford to take on the company? Is your family covered? These are difficult questions, but they must be answered.”

In short, a business succession plan allows business owners and principals to answer the “what-ifs” when everyone is happy, healthy and clear-headed. All aspects should be put on paper, and the first step should be to provide a clear outline of what the company leadership structure would look like, from vacancies in top positions down through several tiers of management.

“No business should be in operation without an exit strategy for the owner,” Rogers said.

He added that, although a business succession planner can help facilitate this process and ask the tough questions, especially when family is involved, an attorney will be needed in the end to draw up formal documents.

spouse assumes responsibility but wants to sell the business, is there enough money available to hire someone to manage the business and keep it running until it can be sold?

Funding. Is enough money in the bank and/or insurance coverage sufficient for keeping the lights on, production running and employees paid? Is there a plan to sell equipment and/or real estate to cover monthly operating expenses?

Growth. Is there an opportunity to expand the company, perhaps by creating a new

partnership with employees or by forming an alliance with another company?

Protection. Are your data and financial information protected?

Communication. Who should be made aware of your plan? Make a list, including the bank, attorneys and key staff members. Do the employees who will be asked to fill key roles know what their responsibilities will be?

as a practice for family-owned businesses, companies of all shapes and sizes are catching on to the proactive nature of formulating a plan.

It provides staff members with stability and a path for growth, and studies show it is growing as a strategic planning element for many corporations, because employees and customers feel secure that the business is here to stay.

Planning for the future Although succession planning began

Reach Allison Cooke Oliverius at 843849-3149.

cr bj

A few basic items to consider: Leadership. Who will fill the top spot and several tiers below?

Function. What are the key functions of your business and how will they be covered?

Buyout. If the business is owned in partnership and an inactive spouse becomes a large shareholder, is there enough insurance coverage to buy out the spouse, if that is his or her wish?

Temporary management. If an inactive

What is your business worth?

When considering your company for sale or transfer, business value includes several financial and nonfinancial considerations: • Cash and hard assets • Receivables • Contracts • Employee agreements • Company name and history • Good will or other intangible value • Trademarks • Intellectual property • Industry outlook • Owner’s willingness or need to sell

5

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Business Continuation Planner 2010

6

In an instant

By Allison Cooke Oliverius

I

aoliverius@scbiznews.com

n any type of disaster, businesses can use social media as effective tools for communicating with employees, customers and vendors. The main reason is that these tools can be far-reaching and instantaneous. “Twitter is often the frontline for breaking news, with real people uploading photos, videos and commentary of news they are witnessing,� said Lyn Mettler, president of StepAhead Inc., a Charleston public relations and marketing firm that specializes in brand awareness and social media. “So businesses must be a part of that conversation if it’s their company involved in the breaking news. Social media can allow them to tell their side of the story, quickly dispel any rumors and get out any important facts or information to individuals very quickly.�

Several tools are available and each has its own advantages. However, Mettler recommends a combination of social media for the best results. “Blogs and Twitter are the top two I would recommend,� she said, “Twitter can reach people in real time with a quick (140-character) update, and

Social media can help businesses keep employees and customers informed

New to social media?

Blogs are basically an online “diary� that your company updates regularly. Blogs typically have an RSS feed, which allows interested readers to subscribe to the blog and be updated when there’s a new post. Advantages: Good for search engine optimization, good place to tell your story and write in-depth, allows you to be more conversational. Disadvantage: People can post negative comments; however, it might be better to have comments posted in a place where you can respond to them.

Facebook is a social network on which businesses have pages that people can “like.� Once people “like� your page, they can be updated in their news feeds when you post something. Advantages: Lets you can direct them to a blog post to offer more in-depth details.

Additionally, blogs rank well in Google, so you’re likely to show up for people searching keywords related to the disaster if you

you tell your story, typically comprises brand ambassadors (after all, they’ve said they “like� you). It can go viral quickly if someone comments on your post, their friends see it, they comment, etc. Disadvantage: It’s ineffective if you don’t have a big fan base. If you make an announcement and have no fans, no one will know.

Twitter is a real-time conversation that takes place via 140-character comments.

Advantages: Great for finding out news of the day and topics of interest to you, and for interacting with people you might not otherwise come across. Disadvantage: People will not see your “tweets� unless they happen to be on when you post or they search for a related keyword. keep your blog updated. Your tweets will also show up for anyone searching those keywords in Twitter, whether or not they are currently following your account. Facebook can also be a good tool if you have built a good following in advance of the disaster.�

Mettler suggests that those who are new to the social media scene sign up for an account and watch and learn for a little while before diving in. “If you’re trying to use it for your business, I would encourage you to hire someone who knows what they’re doing,� she said. “Using social media for business is quite different than say, logging on to Facebook to stay in touch with your friends. It’s essentially your frontline communication with your clients and potential clients, and you want to make sure you’re doing it properly so you attract, and not alienate, them. “During a disaster, your constituents are worried, concerned, have questions, etc., and the sooner you can allay their fears, the sooner you’ll maintain your company’s reputation,� Mettler said. “There’s no quicker way to interact with your public than with social media.

Additionally, everyone else will be talking about the disaster via social media, and if you’re not a part of the conversation, you’re losing your chance to tell your side of the story. Waiting for the paper to run your quote the next day is too late — 24 hours is a lifetime in social media.� cr bj

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Business Continuation Planner 2010

Emergency Planning Y our employees and co-workers are your business’s most important and valuable asset. You can put some procedures in place before a disaster, but you also should learn about what people need to recover after a disaster. It is possible that your staff will need time to ensure the wellbeing of their family members, but getting back to work is also important to the personal recovery of people who have experienced disasters. It is important to re-establish routines when possible.

Two-way communication is crucial before, during and after a disaster. • Include emergency preparedness information in newsletters, on the company intranet, in periodic e-mails and other internal communication tools. • Consider setting up a telephone calling tree, a password-protected page on the company website, an e-mail alert or a call-in voice recording to communicate with employees in an emergency. • Designate an out-of-town phone number at which employees can leave an “I’m OKâ€? message in a disaster. • Provide all co-workers with wallet cards detailing instructions on how to get company information in an emergency. Include telephone numbers or Internet passwords for easy reference. • Maintain open communication so coworkers are free to bring questions and concerns to company leadership. • Ensure you have established staff members who are responsible for communicating regularly to employees. • Identify co-workers in your organization with special needs. Talk to coworkers and employees with disabilities. Ask what assistance they would need in an emergency. • Engage people with disabilities in emergency planning. Ask about communications difficulties, physical limitations, equipment instructions and medication procedures. • Identify people who would be willing to help co-workers with disabilities and be sure they are able to handle the job. This is particularly important if someone needs to be lifted or carried. • Plan how you will alert people who cannot hear an alarm or instructions. • Frequently review and practice what you intend to do during and after an emergency with drills and exercises.

Emergency supplies When preparing for emergency situations, it’s best to think first about the basics of survival: fresh water, food, clean

air and warmth. Encourage everyone to have a portable kit customized to meet personal needs, such as essential medications.

Other considerations:

Radio

• Have a National Oceanic and Atmospheric Administration weather radio with a tone-alert feature, if possible.

You will be automatically alerted when a watch or warning is issued in your area (not available in some areas). The radio also will broadcast announcements from the Department of Homeland Security. • Have a battery-powered commercial radio, too, which is a good source for news and information from local authorities. • Include extra batteries.

Documents

Keep copies of important records such as site maps, building plans, insurance policies, employee contact and identification information, bank account records, supplier and shipping contact lists, computer backups, emergency or law enforcement contact information and other priority documents in a waterproof, fireproof portable container. Store a second set of records at an off-site location.

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Emergency supplies

Talk to your co-workers about what emergency supplies the company can feasibly provide, if any, and which ones individuals should consider keeping on hand.

Recommended supplies include: • Water. Amounts for portable kits will vary. Individuals should determine what amount they are able to store comfortably and transport to other locations. If it is feasible, store one gallon of water per person per day for drinking and sanitation. • Food. At least a three-day supply of nonperishable food. • Battery-powered radio and extra batteries. • Flashlight and extra batteries. • First aid kit. • Whistle to signal for help. • Dust or filter masks, readily available in hardware stores, which are rated based on how small a particle they filter. • Moist towelettes for sanitation. • Wrench or pliers to turn off utilities. • Can opener for food, if kit contains canned food.

See PLANNING, Page 20

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Business Continuation Planner 2010

PLANNING, continued from Page 19

➤

• Plastic sheeting and duct tape to seal off rooms.

• Garbage bags and plastic ties for personal sanitation.

Deciding to stay or go Depending on your circumstances and the nature of the disaster, the first important decision after an incident occurs is whether to shelter in place or evacuate.

Understand and plan for both possibilities in advance by developing clear, wellthought-out plans.

• Have an evacuation plan and a plan for sheltering in place.

• In any emergency, local authorities might or might not be able to immediately provide information on what is happening and what you should do.

You should monitor TV or radio news reports for information or official instructions as they become available.

• If you are specifically told to evacuate, shelter in place or seek medical treatment, do so immediately.

• Use common sense and available information to determine whether there is immediate danger. For example, if your building is damaged, you would typically want to evacuate.

Fire safety Fire is the most common of all business disasters. Each year, fires cause thou-

sands of deaths and injuries and billions of dollars in damage.

• Have your office, plant or facility inspected for fire safety.

• Ensure compliance with fire codes and regulations.

• Install smoke detectors and fire extinguishers in appropriate locations.

• Consider an automatic sprinkler system, fire hoses and fire-resistant doors and walls.

• Establish a system for warning your employees. Plan how you will communicate with people with hearing impairments or other disabilities and those who do not speak English.

• Put in place a process for alerting the fire department.

• Plan and practice how people will evacuate in a fire.

Medical emergencies Workplace medical emergencies vary greatly depending on the disaster, type of job and worksite. Heavy equipment operators face safety risks different from those faced by office workers or food service personnel. Regardless, there are steps that can give you the upper hand in your response to a medical emergency.

• Encourage employees to take basic first aid and CPR training. Offer onsite classes for your co-workers.

• Keep first aid supplies in stock and easily accessible.

• Encourage employees to talk about medical conditions that might require support or special care in an emergency.

• Keep employee emergency contact information on file and up-to-date.

Store a copy with other vital records in your emergency kit and another copy at an off-site location.

Influenza pandemic A pandemic is a global disease outbreak. An influenza pandemic occurs when a new influenza virus emerges for which there is little or no immunity in the human population. The virus begins to cause serious illness and then spreads easily from person to person worldwide.

If a pandemic occurs, it is likely to be a prolonged and widespread outbreak that could require temporary changes in many areas of society, such as schools, work,

transportation and other public services.

An informed and prepared public can take appropriate actions to decrease the risk during a pandemic.

To be prepared for such an emergency, the U.S. Department of Health and Human Services encourages individuals, businesses and communities to do the following: • Talk with local public health officials and health care providers, who can supply information about the signs and symptoms of a specific disease outbreak and recommend prevention and control actions.

• Adopt business and school practices that encourage sick employees and students to stay home, and anticipate how to function with a significant number of people absent because of illness or the need to care for ill family members.

• Practice good health habits, including eating a balanced diet, exercising daily and getting sufficient rest. In addition, take common-sense steps to stop the spread of germs, including frequent handwashing, covering coughs and sneezes and staying away from others as much as possible when you are sick.

• Stay informed about pandemic influenza and be prepared to respond.

Consult www.pandemicflu.gov regularly for updates of national and international information on pandemic influenza. cr bj

Business Continuation Planner 2010

Federal Flood Insurance Companies Ranked by Dollar Amount of Premiums Written in South Carolina in 2008

These industry-specific lists appear in each issue of the Charleston Regional Business Journal. To update your company information or to be added to the list, call Clayton Wynne at 843-849-3114 or update online at www.charlestonbusiness.com/update_lists/.

Phone Website*

Premiums Written in South Carolina

Standard Fire Insurance Co. 385 Washington St. St. Paul, MN 55102-1396

866-336-2077 www.travelers.com

$13,959,102

State Farm Fire and Casualty Co. 1 State Farm Plaza Bloomington, IL 61701

309-766-2311 www.statefarm.com

$13,767,893

Harleysville Mutual Insurance Co. 355 Maple Ave. Harleysville, PA 19438

215-256-5000 www.harleysvillegroup.com

$11,628,609

888-333-2120 www.fnf.com

$9,621,222

973-948-3000 www.selective.com

$8,958,517

Hartford Insurance Co. of the Midwest 690 Asylum Ave. Hartford, CT 06115

860-547-5000 www.thehartford.com

$7,663,451

Nationwide Mutual Fire Insurance Co. 1 Nationwide Plaza Columbus, OH 43215-2220

614-249-7111 www.nationwide.com

$6,875,592

USAA General Indemnity Co. 9800 Fredericksburg Road San Antonio, TX 78288

210-498-2211 www.usaa.com

$6,325,579

Allstate Insurance Co. 2775 Sanders Road Northbrook, IL 60062-7127

847-402-5000 www.allstate.com

$6,197,548

American Bankers Insurance Co. of Florida 11222 Quail Roost Drive Miami, FL 33157

305-253-2244 www.assurant.com

$5,548,602

Company

Fidelity National Property and Casualty Insurance Co. 10301 Deerwood Park, Suite 100 Jacksonville, FL 32256 Selective Insurance Co. of the Southeast 40 Wantage Ave. Branchville, NJ 07890-1000

Source: S.C. Department of Insurance. This list represents the top 10 federal flood insurance companies in South Carolina based on premiums written in 2008. *Some websites represent parent companies.

9

Researched by Clayton Wynne

10

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Business Continuation Planner 2010

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Business Continuation Planner 2010

Disaster Cleanup Companies

These industry-specific lists appear in each issue of the Charleston Regional Business Journal. To update your company information or to be added to the list, call Clayton Wynne at 843-849-3114 or update online at www.charlestonbusiness.com/update_lists/.

Ranked by No. of Local Full-Time Employees

Phone Fax Web site

No. of Local Full-Time Employees

843-760-0404 843-760-0559 www.weclean.net

11

Disaster Cleanup Specialties/Services

Top Local Executive/ Year Founded Locally

36

Fire and water damage, mold remediation, full-service reconstruction, HVAC duct cleaning, residential and commercial carpet and upholstery cleaning, dry ice blasting, smoke and odor removal, thermal imaging, drying, commercial large loss specialists

Lawton Hayes 1987

843-377-1800 843-554-8932 www.catastropheserv.com

30

Full-service restoration, structural drying, water extraction, smoke and fire damage cleanup, residential and commercial cleaning and reconstruction, mold remediation, contents cleaning, lead removal

Scott E. McCutcheon, Fred J. McCutcheon Jr., Sean McCutcheon 1980

Paul Davis Restoration & Remodeling of Greater Charleston 2300 Clements Ferry Road, Suite 101 Charleston, SC 29492

843-216-3331 843-216-3993 www.pdcharleston.com

16

Water, fire, flood and wind emergencies; full-service restoration; water extraction; structural drying; emergency board-up; contents cleaning; contents handling; reconstruction

Larry Rice 1985

Apex Carpet Care LLC P.O. Box 80095 Charleston, SC 29416

843-769-7445 843-763-5719 www.apexcarpets.com

10

Water damage extraction and cleanup, smoke damage, upholstery cleaning; certified in crime scene and trauma cleanup

Robert A. Rogers 2005

Clean Masters Inc. 170 W. Boundary St. Summerville, SC 29485

843-821-1317 843-875-1011 www.cleanmasters911.com

10

Fire and water damage, mold remediation, residential and commercial carpet and upholstery cleaning, soda blasting, blown insulation removal, thermal imaging, smoke and odor removal and 14,000 square feet of climate-controlled storage

Rodney Faulling 1990

Disaster Plus 1342 Chuck Dawley Blvd.

Mount Pleasant, SC 29464

843-724-7247 843-849-8612 www.disasterplusnow.com

10

Water damage cleanup, specialized drying services, moving and storage, emergency power and distribution, trauma, sewage biohazard cleanup, fire and smoke damage cleanup, electronics cleaning and restoration, carpet, rug, and upholstery cleaning, mold remediation, deodorization services

Fred K. Norris III 1986

Feltmann Inc. 1906 Meeting Street Road Charleston, SC 29405

843-723-1555 843-723-1333 www.feltmann.com

10

Commercial and residential roofing, masonry, chimney relining, historic restorations

Christine Loll 1987

Concept Technologies Inc. 2290-A Technical Parkway North Charleston, SC 29406

843-881-1032 843-881-1476 www.concepttechnologies.org

9

Mold remediation, restoration, construction services, crawlspace restoration, crawlspace liners and vapor barriers, CleanSeal lifetime warranty against mold growth

J. Mark Ivey 1997

Steamatic of Coastal South Carolina 2290-A Technical Parkway Charleston, SC 29406

843-881-9331 843-881-1476 www.steamatic.com/coastalsc

8

Water, 24/7 fire restoration, mold remediation, HVAC duct cleaning, carpet cleaning, upholstery cleaning, dehumidification, odor and smoke removal

J. Mark Ivey 2004

843-577-2470 843-554-0460 www.servpro.com

6

Clean carpet and upholstery, smoke, mold, restoration

Cleve S. Smith 1961

843-200-7000 843-278-9293 www.wedryfloods.com

3

Emergency water removal; structural and contents drying and restoration; fire and smoke damage restoration; odor control and ozone shock treatments; carpet cleaning; Oriental rugs hand-washed

Michael D. Wise Jr. 1999

Company ServiceMaster of Charleston 3228 Industry Drive North Charleston, SC 29418 Catastrophe Services Inc. 2652 Bonds Ave. Charleston, SC 29405

ServPro 1023 Wappoo Road, Suite A-23 Charleston, SC 29407 Ashley River Restoration 2475 Ashley River Road Charleston, SC 29414

Information presented was provided upon request from company representatives, and SC Biz News LLC assumes the data is accurate. Not all disaster cleanup companies are listed, only those that responded to our information inquiry.

DNR-Did Not Respond.

Researched by Clayton Wynne

Being there is why I’m here.

Tony Pope, Agent 1661 N Main Street Summerville, SC 29483 Bus: 843-851-2222 Toll Free: 800-317-9197 www.tonypope.com

Total average savings of $696* Let me show you how combining home and auto policies can add up to big savings.

Like a good neighbor, State Farm is there.ÂŽ CALL FOR A QUOTE 24/7

*Average annual household savings based on national 2009 survey of new policyholders who reported savings by switching to State Farm.

State Farm Mutual Automobile Insurance Company, State Farm Indemnity Company State Farm Fire and Casualty Company, State Farm General Insurance Company, Bloomington, IL

P097185 04/09

12

Business Continuation Planner 2010

Fire Insurance Companies

These industry-specific lists appear in each issue of the Charleston Regional Business Journal. To update your company information or to be added to the list, call Clayton Wynne at 843-849-3114 or update online at www.charlestonbusiness.com/update_lists/.

Ranked by Dollar Amount of Premiums Written in South Carolina in 2008

Phone Website*

Premiums Written in South Carolina

517-323-1200 www.auto-owners.com

$13,108,742

American Security Insurance Co. 1 Chase Manhattan Plaza New York, NY 10005

212-859-7000 www.assurant.com

$10,580,754

Foremost Insurance Co. 5600 Beech Tree Lane Caledonia, MI 49316

616-942-3000 www.foremost.com

$7,735,963

617-357-9500 www.libertymutual.com

$6,889,399

Factory Mutual Insurance Co. 1301 Atwood Ave. Johnston, RI 02919

401-275-3000 www.fmglobal.com

$6,110,703

XL Insurance America Inc. 1201 N. Market St., Suite 501 Wilmington, DE 19801

800-622-1840 www.xlinsurance.com

$5,233,529

312-661-4526 DNR

$3,112,446

American Modern Home Insurance Co. 7000 Midland Blvd.

Amelia, OH 45102

513-943-7200 www.midlandcompany.com

$2,905,845

Allianz Global Risks U.S. Insurance Co. 317 Madison Ave., Suite 1110 New York, NY 10017

646-472-1400 www.aic-allianz.com

$2,902,533

Nationwide Mutual Fire Insurance Co. 1 Nationwide Plaza Columbus, OH 43215

614-249-7111 www.nationwide.com

$2,649,830

Company Auto-Owners Insurance Co. 6101 Anacapri Blvd.

Lansing, MI 48917

Liberty Mutual Fire Insurance Co. 175 Berkeley St. Boston, MA 02117

United Casualty Insurance Co. of America 1 E. Wacker Drive Chicago, IL 60601-1802

Source: S.C. Department of Insurance. This list represents the top 10 fire insurance companies in South Carolina based on premiums written in 2008. *Some websites represent parent companies. DNR-Did not respond.

Earthquake Insurance Companies Ranked by Dollar Amount of Premiums Written in South Carolina in 2008

Researched by Clayton Wynne

These industry-specific lists appear in each issue of the Charleston Regional Business Journal. To update your company information or to be added to the list, call Clayton Wynne at 843-849-3114 or update online at www.charlestonbusiness.com/update_lists/.

Phone Website*

Premiums Written in South Carolina

309-766-2311 www.statefarm.com

$7,952,658

210-498-2211 www.usaa.com

$2,062,185

860-277-0111 www.travelers.com

$1,468,353

Nationwide Mutual Fire Insurance Co. 1 Nationwide Plaza Columbus, OH 43215-2220

614-249-7111 www.nationwide.com

$1,463,510

Nationwide Property and Casualty Insurance Co. 1 Nationwide Plaza Columbus, OH 43215

614-249-7111 www.nationwide.com

$1,424,981

212-770-7000 www.aig.com

$1,197,900

800-227-1700 www.firemansfund.com

$940,422

860-277-0111 www.travelers.com

$698,606

617-357-9500 www.libertymutual.com

$674,317

800-531-8319 www.usaa.com

$668,312

Company State Farm Fire and Casualty Co. 1 State Farm Plaza Bloomington, IL 61701 United Services Automobile Association 9800 Fredericksburg Road San Antonio, TX 78288 Standard Fire Insurance Co. 1 Tower Square Hartford, CT 06183

American International South Insurance Co. 70 Pine St. New York, NY 10270 Fireman's Fund Insurance Co. 777 San Marin Drive Novato, CA 94998 Phoenix Insurance Co. 1 Tower Square Hartford, CT 06183-6014 Liberty Mutual Fire Insurance Co. 175 Berkeley St. Boston, MA 02117 USAA Casualty Insurance Co. 9800 Fredericksburg Road San Antonio, TX 78288

Source: S.C. Department of Insurance. This list represents the top 10 earthquake insurance companies in South Carolina based on premiums written in 2008. *Some websites represent parent companies.

Researched by Clayton Wynne

Business Continuation Planner 2010

Property & Casualty Insurance Companies Ranked by Dollar Amount of Premiums Written in South Carolina in 2008

These industry-specific lists appear in each issue of the Charleston Regional Business Journal. To update your company information or to be added to the list, call Clayton Wynne at 843-849-3114 or update online at www.charlestonbusiness.com/update_lists/.

Phone Website*

Premiums Written in South Carolina in 2009

309-766-2311 www.statefarm.com

$293,804,265

Allstate Insurance Co. 2775 Sanders Road Northbrook, IL 60062-7127

847-402-5000 www.allstate.com

$74,312,449

South Carolina Farm Bureau Mutual Insurance Co. 724 Knox Abbott Drive Cayce, SC 29033

803-796-6700 www.scfbins.com

$60,514,689

Allstate Indemnity Co. 2775 Sanders Road Northbrook, IL 60062

847-402-5000 www.allstate.com

$58,267,524

210-498-2211 www.usaa.com

$53,026,190

Nationwide Mutual Fire Insurance Co. 1 Nationwide Plaza Columbus, OH 43215-2220

614-249-7111 www.nationwide.com

$48,324,459

Nationwide Property and Casualty Insurance Co. 1 Nationwide Plaza Columbus, OH 43215

614-249-7111 www.nationwide.com

$38,560,280

616-942-3000 www.foremost.com

$34,235,685

860-277-0111 www.stpaultravelers.com

$32,468,996

800-531-8319 www.usaa.com

$23,126,933

Company State Farm Fire and Casualty Co. 1 State Farm Plaza Bloomington, IL 61701

United Services Automobile Association 9800 Fredericksburg Road San Antonio, TX 78288

Foremost Insurance Co. 5600 Beech Tree Lane Caledonia, MI 49316 Automobile Insurance Co. of Hartford, Conn.

1 Tower Square Hartford, CT 06183-6014 USAA Casualty Insurance Co. 9800 Fredericksburg Road San Antonio, TX 78288

Source: S.C. Department of Insurance. This list represents the top 10 property and casualty insurance companies in South Carolina based on premiums written in 2008. *Some websites represent parent companies.

13

Researched by Clayton Wynne

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14

Business Continuation Planner 2010

Law Firms - Consumer Fraud

These industry-specific lists appear in each issue of the Charleston Regional Business Journal. To update your company information or to be added to the list, call Clayton Wynne at 843-849-3114 or update online at www.charlestonbusiness.com/update_lists/.

Ranked by No. of Attorneys

Phone Fax Web Site

Law Firm

Total No. of Attorneys/Total No. of Employees

Total No. of Attorneys Specializing in Consumer Fraud

Consumer Fraud Services Available

Year Founded

29

Consumer Protection, Securities/Consumer Fraud, Toxic Tort

Ron Motley, Joe Rice 2003

39/33

6

Consumer Protection, Intellectual Property, Securities/ Consumer Fraud, Toxic Tort

Richard A. Farrier Jr. 1897

843-727-6500 843-216-6509 www.rpwb.com

33/80

4

Consumer Protection, Securities/Consumer Fraud, Toxic Tort

Dave Butler, Charles Patrick, Chris Tuck, Blair Hahn, Hoyt Rowell 2002

843-577-4435 843-722-1630 www.hoodlaw.com

25/22

4

Consumer Protection, Intellectual Property, Securities/ Consumer Fraud, Toxic Tort

Robert H. Hood, Molly Hood Craig 1985

Pierce, Herns, Sloan & McLeod LLC 321 East Bay St. Charleston, SC 29401

843-722-7733 843-722-7732 www.phsm.net

18/18

2

Consumer Protection, Securities/Consumer Fraud, Toxic Tort

Allan P. Sloan III 1999

McAngus Goudelock & Courie LLC 78 Wentworth St., Suite 200 Charleston, SC 29401

843-576-2900 843-534-0605 www.mgclaw.com

17/22

3

Toxic Tort

James R. Courie 1995

843-576-2800 843-577-3369 www.turnerpadget.com

16/14

2

Securities/Consumer Fraud

Michael G. Roberts 1929

Barnwell Whaley Patterson & Helms LLC 885 Island Park Drive Charleston, SC 29492

843-577-7700 843-577-7708 www.barnwell-whaley.com

16/24

2

Consumer Protection, Intellectual Property

B.C. Killough 1938

Hulsey Law Group LLC 2 Wharfside St., No. 3 Charleston, SC 29401

843-723-5303 843-723-5307 www.hulseylawgroup.com

4/2

2

DNR

Paul Hulsey, Cherie Durand 2003

Stipkala LLC 5401 Netherby Lane, Suite 102A North Charleston, SC 29420

843-580-9057 843-207-8842 www.stipkalalaw.com

4/2

0

Intellectual Property

Jeremy M. Stipkala 2005

Gibson Law Firm LLC 5422 Rivers Ave. North Charleston, SC 29406

843-744-1887 843-744-5320 www.dgibsonlaw.com

2/4

2

Consumer Protection, Securities/Consumer Fraud, Toxic Tort

Don C. Gibson 1988

Motley Rice LLC 28 Bridgeside Blvd.

Mount Pleasant, SC 29464 Nelson Mullins Riley & Scarborough LLP 151 Meeting St., Suite 600 Charleston, SC 29401-2239 Richardson, Patrick, Westbrook & Brickman LLC 1037 Chuck Dawley Blvd., Building A Mount Pleasant, SC 29464 Hood Law Firm LLC 172 Meeting St. Charleston, SC 29401

Turner Padget Graham & Laney P.A. 40 Calhoun St., Suite 200 Charleston, SC 29401

843-216-9000 843-216-9450 www.motleyrice.com

42/200

843-853-5200 843-722-8700 www.nelsonmullins.com

Information presented was provided upon request from company representatives, and SC BIZ News LLC assumes the data is accurate. Not all law firms are listed, only those that responded to our information inquiry.

ERISA-Employee Retirement Income Security Act. OSHA-Occupational Safety and Health Administration. RICO-Racketeer Influenced and Corrupt Organizations Act. DNR-Did Not Respond.

Researched by Clayton Wynne

Emergency Resource Guide National Resources Department of Homeland Security 800-BE-READY, 888-SI-LISTO (800-237-3239, 888-735-4786) www.dhs.gov, www.ready.gov, www.listo.gov Federal Emergency Management Agency 800-621-FEMA (3362) 770-220-5200 (regional office in Atlanta) www.fema.gov American Red Cross 800-RED-CROSS (800-733-2767) 800-257-7575 (Spanish) www.redcross.org National Hurricane Center www.nhc.noaa.gov National Weather Service www.weather.gov Centers for Disease Control and Prevention 800-CDC-INFO (800-232-4636) 888-232-6348 www.cdc.gov Environmental Protection Agency Emergency Management 202-564-8600 www.epa.gov/osweroe1

National Flood Insurance Program 800-621-FEMA (3362) www.fema.gov/about/programs/nfip/

Bureau of Disease Control 803-898-DHEC (3432) www.scdhec.gov/health/disease

U.S. Small Business Administration 800-U-ASK-SBA (800-827-5722) www.sba.gov

Oil and Chemical Spills www.scdhec.gov/environment/lwm/html/ er.htm 888-481-0125

Department of Justice 202-514-2000 www.justice.gov Department of Health and Human Services 877-696-6775 www.hhs.gov Federal Alliance for Safe Homes 877-221-SAFE (7233) www.flash.org

South Carolina Resources S.C. Emergency Management Division 803-737-8500 www.scemd.org S.C. Department of Health & Environmental Control 803-898-DHEC (3432) www.scdhec.gov

S.C. Department of Public Safety Emergency Traffic Network 866-246-0133 www.sctraffic.org S.C. Department of Transportation 803-737-2314 www.dot.state.sc.us

S.C. Area Health Education Consortium 843-792-4431 www.scahec.net

S.C. Evacuation Routes 888-877-9151 www.scdot.org/getting/evacuation.shtml

Lowcountry Area Health Education Center 843-782-5052 www.lcahec.com

S.C. Department of Insurance 803-737-6160 www.doi.sc.gov

Next-of-kin Registry www.nokr.org

S.C. Insurance News Service 803-252-3455 www.scinsnews.com

Palmetto Poison Center 800-222-1222 poison.sc.edu S.C. Red Cross Shelter Information 800-RED-CROSS (733-2767) 800-257-7575 (Espanol) www.scdhec.gov/administration/ophp/ hurricane/sheltering.htm

S.C. Department of Natural Resources Flood Mitigation Programs 803-734-9103 www.dnr.sc.gov/water/flood Harvest Hope Food Bank 803-254-4432 www.harvesthope.org

Business Continuation Planner 2010

American Red Cross Carolina Lowcountry Chapter 843-764-2323 www.lowcountryredcross.org

S.C. Department of Agriculture 803-734-2210 www.agriculture.sc.gov S.C. State Veterinarian 803-788-2260 www.clemson.edu/public/lph

Charleston Country Utilities Telephone Service

U.S. Department of Agriculture Animal/Plant Inspection Service 803-788-0506 www.aphis.usda.gov Clemson Animal Emergency Response www.clemson.edu/extension/ep/animal.html

BellSouth www.bellsouth.com Electricity

Hurricane Preparedness Guide www.charlestoncounty.org/guides.htm Emergency Information Line – Citizens Information Line (Only during emergency Operations Center activation) 843-202-7100 Emergency Information Line in Spanish 843-202-7191 Emergency Line – TTY 843-202-7190

Disabilities Resource Center Mobility Issues 843-225-5080 www.drcilc.org S.C. Department of Health and Environmental Control Medical Needs Shelters 803-898-4415 www.scdhec.gov/administration/ophp/ hurricane/sheltering.htm

Electricity

Santee Cooper 843-761-8000 www.santeecooper.com

Dorchester County Resources

SCE&G 800-251-7234 www.sceg.com

Dorchester Seniors Inc. 843-871-5053 www.dorchesterseniors.com

City of Goose Creek Utilities 843-797-6220 Moncks Corner Public Service District 843-719-7900

Santee Cooper 843-761-8000 www.santeecooper.com

Dorchester County Emergency Management Department 843-832-0341, 843-563-0341 www.dorchestercounty.net/EOC.html

Berkeley County Water & Sanitation Authority 843-761-8817 www.bcwsa.com

Dorchester County Water & Sewer Commission 843-832-0075 www.dorchestercounty.net/watersewer.html

North Charleston Sewer District 843-764-3072 www.ncsd-sc.com

Department of Social Services 843-563-9524

Water

Summerville Commissioners of Public Works 843-871-0810 www.summervillecpw.com

Emergency Info Line (Only during emergency Operations Center activation) 843-832-0212, 843-563-0212

Charleston County Building Services Flood Zone 843-202-7200

Berkeley County Utilities

Water

Mount Pleasant Waterworks and Sewer Commission 843-884-9626 www.mountpleasantwaterworks.com

BellSouth www.bellsouth.com TDS 866-571-6662 www.tdstelecom.com

TDS 866-571-6662 www.tdstelecom.com

Commissioners of Public Works 843-727-6800 www.charlestonwater.com

Emergency Preparedness Division 843-202-7400 www.charlestoncounty.org/departments/epd

Berkeley County Utilities Telephone Service

BellSouth www.bellsouth.com

Water

Charleston County Resources

Trident United Way 843-821-5000 www.tuw.org

Telephone Service

Berkeley Electric Cooperative 843-553-5020 www.becsc.com

Clemson University Regulatory and Public Health Services 864-646-2120 www.clemson.edu/public/regulatory

The Salvation Army 843-761-8626 www.salvationarmy.org

Dorchester County Utilities

S.C. Electric & Gas 800-251-7234 www.sceg.com

U.S. Department of Agriculture Farm Service Agency 803-806-3820 www.fsa.usda.gov/FSA

Dorchester County Sheriff’s Office 843-832-0300 (Administration) www.dorchestercounty.net/Sheriff_bio.htm

15

Electricity

Berkeley Electric Cooperative 843-553-5020 www.becsc.com

Edisto Electric Cooperative 800-433-3292 www.edistoelectric.com Berkeley Electric Cooperative 843-553-5020 www.becsc.com

SCE&G 800-251-7234 www.sceg.com Natural Gas SCE&G 800-251-7234 www.sceg.com

Berkeley County Resources

Berkeley County Emergency Management 843-719-4166 Department of Social Services 843-761-8044

Operating Condition (Opcon) Level of Readiness

OPCON 5

Most day-to-day operations to include normal training and exercises. Pre-disaster preparedness activities that usually fall outside of the requirement to activate the State Emergency Operations Center may begin during this time frame.

OPCON 4

Possibility of an emergency or disaster situation that might require state coordination during emergency management operations.

State Emergency Operations Center activation is dependent on the status of the event.

OPCON 3

Disaster or emergency situation is likely. The South Carolina Emergency Operations Plan and the appropriate specific impact hazard emergency plan is activated.

OPCON 2

Disaster or emergency situation is imminent or in effect.

OPCON 1

Major disaster or emergency situation in effect; highest state of emergency operations and the State Emergency Operations Center is fully activated.

16

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