Wildfires are one of nature's most powerful and deadly forces. The National Interagency Fire Center reports that so far in 2022, over 32,000 wildfires have burned more than 3.3 million acres in the United States. These numbers have already surpassed the number of wildfires during the same time frame (January through June) in 2021, when there were over 29,000 wildfires across the country. For businesses located in an area prone to wildfires, the risks can be on the rise. So, it's more important than ever to take measures to reduce the risks posed by wildfires to your employees, customers, business property, equipment and other assets. Almost nine times out of ten, humans are the cause of wildfires. These fires can be fast-moving and unpredictable. In addition to the direct impact an out-of-control fire can have on your building and property, businesses can also suffer indirect consequences such as service disruption, transportation stoppage and utility interruption. That could mean a lengthy and costly recovery, possibly forcing you to pass the costs on to your customers in the form of higher prices.

Jeff Corder of AmTrust. (Credit: AmTrust)

It's a good idea to know which Fire Hazard Severity Zone (FHSZ) your business is located in. You can request the FHSZ rating of your area from your local building or fire officials (or if you are in California, see the Cal Fire FHZ Viewer). FHSZ ratings represent the wildfire hazard in each area based on the local plants and landscaping, fire history, slope, and other terrain features that could impact a fire's spread. These zones are generally classified as "moderate," "high" or "very high/extreme." Depending on a community's construction ordinances, the FHSZ can be the basis for specific requirements regarding construction materials, landscaping, maintenance and other operational decisions. Jeff Corder heads AmTrust's Loss Control department, which helps small businesses reduce workplace hazards through education, training and risk evaluation. For over 16 years, he has delivered risk management solutions nationally to AmTrusts' valued customers across all US business segments. This piece original appeared on the AmTrust website. It is reprinted here with permission. Opinions expressed here are the author's own. Related: |

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