Planner 2010
BusinessC o n t i n u a t i o n
Restoring Peace of Mind
SponSored by
Business Continuation Planner 20102
Business Continuation Planner 2010 3
Contents
Welcome from our sponsors
One 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 virus-es, 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.
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. 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.
Lawton Hayes ServiceMaster of Charleston
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
mandates and escalating needs for
network optimization, we are proud
to serve as a solid resource partner
and adviser alongside the Business
Continuation Planner. Preparedness
mitigates risk, and with a detailed business continuity plan we ensure the
constant advancement of business objectives despite the forecast.
Russ WeberPresident, Integral Solutions Group
Secretary, JM Smith Corp.
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
21 Federal Flood Insurance Companies
23 Disaster Cleanup Companies
24 Fire Insurance Companies
24 earthquake Insurance Companies
25 Property & Casualty Insurance Companies
26 law Firms – Consumer Fraud
26 emergency resource Guide
LIsts
Business Continuation Planner 20104
ImPact of occuPatIonaL fraud
By Allison Cooke [email protected]
Hurricane season is the time most businesses and individu-als 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 vol-cano 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 Con-tinuity Planning Council.
“The point is, if you have a good plan in place that deals with the fundamen-tal 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 con-tinuity plans for private businesses and municipalities, suggests focusing on the four P’s: people, property, place and pro-cesses.
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 com-puters, backup hardware and software. Make sure these assets are adequately insured.
Place: Business owners should line up two alternative work sites. One loca-tion should be close and quickly accessi-ble if something happens to your build-ing 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, thank-fully,” 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 vari-ety of free resources online, including step-by-step plans and check lists.
But Cave’s company is there for busi-ness owners who might not have the desire or the time to devote to the pro-cess.
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 mindOnce a plan has been creat-ed, “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 flex-ibility. These tools allow the business to be flexible and handle the disaster.”
Cave adds that you can use your con-tingency plan as a marketing tool.
“Let your customers know you have a plan in place to help avoid an interrup-tion in business,” he said.
“There is a lot of peace of mind in protecting your business.” cr
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Preparing for disasterA business continuation plan prepares your business to recover quickly in the event of disruption
Your PLanCreate 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 run-ning. 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. Con-sider 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 build-ing is inaccessible, make sure employees know where they need to go. Consider talk-ing to a supplier about setting up a tempo-rary 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 infor-mation are backed up off-site in case you can’t access your building or your files are destroyed. You will need access to insur-ance 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.
• 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
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:
Business Continuation Planner 2010 5
By Allison Cooke [email protected]
There 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 al-lows business owners and principals to answer the “what-ifs” when everyone is happy, healthy and clear-headed. All as-pects 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 po-sitions down through several tiers of man-agement.
“No business should be in operation without an exit strategy for the owner,” Rogers said.
He added that, although a business suc-cession planner can help facilitate this pro-cess and ask the tough questions, especially when family is involved, an attorney will be needed in the end to draw up formal docu-ments.
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 cov-ered?
Buyout. If the business is owned in part-nership and an inactive spouse becomes a large shareholder, is there enough in-surance coverage to buy out the spouse, if that is his or her wish?
Temporary management. If an inactive
spouse assumes responsibility but wants to sell the business, is there enough money available to hire someone to manage the business and keep it run-ning 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 form-ing an alliance with another company?
Protection. Are your data and financial in-formation protected?
Communication. Who should be made aware of your plan? Make a list, includ-ing the bank, attorneys and key staff members. Do the employees who will be asked to fill key roles know what their responsibilities will be?
Planning for the futureAlthough succession planning began
as a practice for family-owned businesses, companies of all shapes and sizes are catch-ing on to the proactive nature of formulat-ing 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. cr
bj
Reach Allison Cooke Oliverius at 843-849-3149.
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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
Business Continuation Planner 20106
In an Instant By Allison Cooke Oliverius
In any type of disaster, businesses can use social media as effective tools for communicating with employees,
customers and vendors. The main rea-son is that these tools can be far-reach-ing and instantaneous.
“Twitter is often the frontline for breaking news, with real people upload-ing photos, videos and commentary of news they are witnessing,” said Lyn Mettler, president of StepAhead Inc., a Charleston public relations and market-ing firm that specializes in brand aware-ness 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, Met-tler recommends a combination of social media for the best results.
“Blogs and Twitter are the top two I would recommend,” she said, “Twit-ter can reach people in real time with a quick (140-character) update, and
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 search-ing keywords related to the disaster if you
keep your blog updated. Your tweets will also show up for anyone searching those key-
words in Twitter, whether or not they are currently fol-
lowing your account. Face-book 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 prop-erly 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 talk-ing about the disaster via social media, and if you’re not a part of the conversa-tion, 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
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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 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. Disad-vantage: It’s ineffective if you don’t have a big fan base. If you make an announce-ment 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.
Business Continuation Planner 2010 7
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emerGenCy PlannInGYour employees and co-workers
are your business’s most impor-tant 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 well- being of their family members, but get-ting 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 communi-cate with employees in an emergency.
• Designate an out-of-town phone num-ber at which employees can leave an “I’m OK” message in a disaster.
• Provide all co-workers with wallet cards detailing instructions on how to get company information in an emer-gency. Include telephone numbers or Internet passwords for easy reference.
• Maintain open communication so co-workers are free to bring questions and concerns to company leadership.
• Ensure you have established staff mem-bers who are responsible for commu-nicating regularly to employees.
• Identify co-workers in your organi-zation with special needs. Talk to co-workers and employees with disabili-ties. Ask what assistance they would need in an emergency.
• Engage people with disabilities in emergency planning. Ask about com-munications difficulties, physical limi-tations, 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 suppliesWhen preparing for emergency situ-
ations, 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 medica-tions.
Other considerations:
radio• Have a National Oceanic and Atmo-
spheric 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 announce-ments from the Department of Home-land Security.
• Have a battery-powered commercial radio, too, which is a good source for news and information from local authorities.
• Include extra batteries.
documentsKeep copies of important records such
as site maps, building plans, insurance policies, employee contact and identifica-tion information, bank account records, supplier and shipping contact lists, com-puter backups, emergency or law enforce-ment contact information and other priority documents in a waterproof, fire-proof portable container. Store a second set of records at an off-site location.
emergency supplies Talk to your co-workers about what
emergency supplies the company can fea-sibly provide, if any, and which ones indi-viduals 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 bat-teries.
• 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 fil-ter.
• Moist towelettes for sanitation.• Wrench or pliers to turn off utilities.• Can opener for food, if kit contains
canned food.
see PLANNING, Page 20 ➤
Business Continuation Planner 20108
• Plastic sheeting and duct tape to seal off rooms.
• Garbage bags and plastic ties for per-sonal sanitation.
deciding to stay or goDepending on your circumstances and
the nature of the disaster, the first impor-tant decision after an incident occurs is whether to shelter in place or evacuate. Understand and plan for both possibili-ties in advance by developing clear, well-thought-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 imme-diately 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 treat-ment, do so immediately.
• Use common sense and available infor-mation to determine whether there is immediate danger. For example, if your building is damaged, you would typically want to evacuate.
fire safetyFire is the most common of all busi-
ness 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 extin-
guishers in appropriate locations.• Consider an automatic sprinkler sys-
tem, fire hoses and fire-resistant doors and walls.
• Establish a system for warning your employees. Plan how you will com-municate 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 emergenciesWorkplace 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 ser-vice 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 on-site 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 emer-gency.
• 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 pandemicA pandemic is a global disease out-
break. 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 emergen-cy, 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 influ-enza and be prepared to respond. Consult www.pandemicflu.gov regu-larly for updates of national and inter-national information on pandemic influenza. cr
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PLANNING, continued from Page 19 ➤
Business Continuation Planner 2010 9
Federal Flood Insurance CompaniesRanked by Dollar Amount of Premiums Written in South Carolina in 2008
CompanyPhone
Website* Premiums Written in South Carolina
Standard Fire Insurance Co.385 Washington St.St. Paul, MN 55102-1396
866-336-2077www.travelers.com $13,959,102
State Farm Fire and Casualty Co.1 State Farm PlazaBloomington, IL 61701
309-766-2311www.statefarm.com $13,767,893
Harleysville Mutual Insurance Co.355 Maple Ave.Harleysville, PA 19438
215-256-5000www.harleysvillegroup.com $11,628,609
Fidelity National Property and Casualty Insurance Co.10301 Deerwood Park, Suite 100Jacksonville, FL 32256
888-333-2120www.fnf.com $9,621,222
Selective Insurance Co. of the Southeast40 Wantage Ave.Branchville, NJ 07890-1000
973-948-3000www.selective.com $8,958,517
Hartford Insurance Co. of the Midwest690 Asylum Ave.Hartford, CT 06115
860-547-5000www.thehartford.com $7,663,451
Nationwide Mutual Fire Insurance Co.1 Nationwide PlazaColumbus, OH 43215-2220
614-249-7111www.nationwide.com $6,875,592
USAA General Indemnity Co.9800 Fredericksburg RoadSan Antonio, TX 78288
210-498-2211www.usaa.com $6,325,579
Allstate Insurance Co.2775 Sanders RoadNorthbrook, IL 60062-7127
847-402-5000www.allstate.com $6,197,548
American Bankers Insurance Co. of Florida11222 Quail Roost DriveMiami, FL 33157
305-253-2244www.assurant.com $5,548,602
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. 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/.
Business Continuation Planner 2010 11
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Tony Pope, Agent1661 N Main Street
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Disaster Cleanup CompaniesRanked by No. of Local Full-Time Employees
Company
PhoneFax
Web site
No. of LocalFull-Time
Employees Disaster Cleanup Specialties/ServicesTop Local Executive/Year Founded Locally
ServiceMaster of Charleston3228 Industry DriveNorth Charleston, SC 29418
843-760-0404843-760-0559
www.weclean.net36
Fire and water damage, mold remediation, full-service reconstruction, HVAC ductcleaning, residential and commercial carpet and upholstery cleaning, dry ice blasting,smoke and odor removal, thermal imaging, drying, commercial large loss specialists
Lawton Hayes1987
Catastrophe Services Inc.2652 Bonds Ave.Charleston, SC 29405
843-377-1800843-554-8932
www.catastropheserv.com30
Full-service restoration, structural drying, water extraction, smoke and fire damagecleanup, 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 GreaterCharleston2300 Clements Ferry Road, Suite 101Charleston, SC 29492
843-216-3331843-216-3993
www.pdcharleston.com16
Water, fire, flood and wind emergencies; full-service restoration; water extraction;structural drying; emergency board-up; contents cleaning; contents handling;
reconstruction
Larry Rice1985
Apex Carpet Care LLCP.O. Box 80095Charleston, SC 29416
843-769-7445843-763-5719
www.apexcarpets.com10 Water damage extraction and cleanup, smoke damage, upholstery cleaning; certified in
crime scene and trauma cleanupRobert A. Rogers
2005
Clean Masters Inc.170 W. Boundary St.Summerville, SC 29485
843-821-1317843-875-1011
www.cleanmasters911.com10
Fire and water damage, mold remediation, residential and commercial carpet andupholstery cleaning, soda blasting, blown insulation removal, thermal imaging, smoke and
odor removal and 14,000 square feet of climate-controlled storage
Rodney Faulling1990
Disaster Plus1342 Chuck Dawley Blvd.Mount Pleasant, SC 29464
843-724-7247843-849-8612
www.disasterplusnow.com10
Water damage cleanup, specialized drying services, moving and storage, emergencypower and distribution, trauma, sewage biohazard cleanup, fire and smoke damage
cleanup, electronics cleaning and restoration, carpet, rug, and upholstery cleaning, moldremediation, deodorization services
Fred K. Norris III1986
Feltmann Inc.1906 Meeting Street RoadCharleston, SC 29405
843-723-1555843-723-1333
www.feltmann.com10 Commercial and residential roofing, masonry, chimney relining, historic restorations Christine Loll
1987
Concept Technologies Inc.2290-A Technical ParkwayNorth Charleston, SC 29406
843-881-1032843-881-1476
www.concepttechnologies.org9 Mold remediation, restoration, construction services, crawlspace restoration, crawlspace
liners and vapor barriers, CleanSeal lifetime warranty against mold growthJ. Mark Ivey
1997
Steamatic of Coastal South Carolina2290-A Technical ParkwayCharleston, SC 29406
843-881-9331843-881-1476
www.steamatic.com/coastalsc8 Water, 24/7 fire restoration, mold remediation, HVAC duct cleaning, carpet cleaning,
upholstery cleaning, dehumidification, odor and smoke removalJ. Mark Ivey
2004
ServPro1023 Wappoo Road, Suite A-23Charleston, SC 29407
843-577-2470843-554-0460
www.servpro.com6 Clean carpet and upholstery, smoke, mold, restoration Cleve S. Smith
1961
Ashley River Restoration2475 Ashley River RoadCharleston, SC 29414
843-200-7000843-278-9293
www.wedryfloods.com3
Emergency water removal; structural and contents drying and restoration; fire and smokedamage restoration; odor control and ozone shock treatments; carpet cleaning; Oriental
rugs hand-washed
Michael D. Wise Jr.1999
Information presented was provided upon request from company representatives, and SC Biz News LLC assumes the data is accurate. Not all disaster cleanupcompanies are listed, only those that responded to our information inquiry.DNR-Did Not Respond.
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/.
Business Continuation Planner 201012
Fire Insurance CompaniesRanked by Dollar Amount of Premiums Written in South Carolina in 2008
CompanyPhone
Website* Premiums Written in South Carolina
Auto-Owners Insurance Co.6101 Anacapri Blvd.Lansing, MI 48917
517-323-1200www.auto-owners.com $13,108,742
American Security Insurance Co.1 Chase Manhattan PlazaNew York, NY 10005
212-859-7000www.assurant.com $10,580,754
Foremost Insurance Co.5600 Beech Tree LaneCaledonia, MI 49316
616-942-3000www.foremost.com $7,735,963
Liberty Mutual Fire Insurance Co.175 Berkeley St.Boston, MA 02117
617-357-9500www.libertymutual.com $6,889,399
Factory Mutual Insurance Co.1301 Atwood Ave.Johnston, RI 02919
401-275-3000www.fmglobal.com $6,110,703
XL Insurance America Inc.1201 N. Market St., Suite 501Wilmington, DE 19801
800-622-1840www.xlinsurance.com $5,233,529
United Casualty Insurance Co. of America1 E. Wacker DriveChicago, IL 60601-1802
312-661-4526DNR $3,112,446
American Modern Home Insurance Co.7000 Midland Blvd.Amelia, OH 45102
513-943-7200www.midlandcompany.com $2,905,845
Allianz Global Risks U.S. Insurance Co.317 Madison Ave., Suite 1110New York, NY 10017
646-472-1400www.aic-allianz.com $2,902,533
Nationwide Mutual Fire Insurance Co.1 Nationwide PlazaColumbus, OH 43215
614-249-7111www.nationwide.com $2,649,830
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. Researched by Clayton Wynne
Earthquake Insurance CompaniesRanked by Dollar Amount of Premiums Written in South Carolina in 2008
CompanyPhone
Website* Premiums Written in South Carolina
State Farm Fire and Casualty Co.1 State Farm PlazaBloomington, IL 61701
309-766-2311www.statefarm.com $7,952,658
United Services Automobile Association9800 Fredericksburg RoadSan Antonio, TX 78288
210-498-2211www.usaa.com $2,062,185
Standard Fire Insurance Co.1 Tower SquareHartford, CT 06183
860-277-0111www.travelers.com $1,468,353
Nationwide Mutual Fire Insurance Co.1 Nationwide PlazaColumbus, OH 43215-2220
614-249-7111www.nationwide.com $1,463,510
Nationwide Property and Casualty Insurance Co.1 Nationwide PlazaColumbus, OH 43215
614-249-7111www.nationwide.com $1,424,981
American International South Insurance Co.70 Pine St.New York, NY 10270
212-770-7000www.aig.com $1,197,900
Fireman's Fund Insurance Co.777 San Marin DriveNovato, CA 94998
800-227-1700www.firemansfund.com $940,422
Phoenix Insurance Co.1 Tower SquareHartford, CT 06183-6014
860-277-0111www.travelers.com $698,606
Liberty Mutual Fire Insurance Co.175 Berkeley St.Boston, MA 02117
617-357-9500www.libertymutual.com $674,317
USAA Casualty Insurance Co.9800 Fredericksburg RoadSan Antonio, TX 78288
800-531-8319www.usaa.com $668,312
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
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/.
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/.
Business Continuation Planner 2010 13
Property & Casualty Insurance CompaniesRanked by Dollar Amount of Premiums Written in South Carolina in 2008
CompanyPhone
Website* Premiums Written in South Carolina in 2009
State Farm Fire and Casualty Co.1 State Farm PlazaBloomington, IL 61701
309-766-2311www.statefarm.com $293,804,265
Allstate Insurance Co.2775 Sanders RoadNorthbrook, IL 60062-7127
847-402-5000www.allstate.com $74,312,449
South Carolina Farm Bureau Mutual Insurance Co.724 Knox Abbott DriveCayce, SC 29033
803-796-6700www.scfbins.com $60,514,689
Allstate Indemnity Co.2775 Sanders RoadNorthbrook, IL 60062
847-402-5000www.allstate.com $58,267,524
United Services Automobile Association9800 Fredericksburg RoadSan Antonio, TX 78288
210-498-2211www.usaa.com $53,026,190
Nationwide Mutual Fire Insurance Co.1 Nationwide PlazaColumbus, OH 43215-2220
614-249-7111www.nationwide.com $48,324,459
Nationwide Property and Casualty Insurance Co.1 Nationwide PlazaColumbus, OH 43215
614-249-7111www.nationwide.com $38,560,280
Foremost Insurance Co.5600 Beech Tree LaneCaledonia, MI 49316
616-942-3000www.foremost.com $34,235,685
Automobile Insurance Co. of Hartford, Conn.1 Tower SquareHartford, CT 06183-6014
860-277-0111www.stpaultravelers.com $32,468,996
USAA Casualty Insurance Co.9800 Fredericksburg RoadSan Antonio, TX 78288
800-531-8319www.usaa.com $23,126,933
Source: S.C. Department of Insurance. This list represents the top 10 property and casualty insurance companies in South Carolina based on premiums written in2008. *Some websites represent parent companies. 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/.
Business Continuation Planner 201014
Law Firms - Consumer FraudRanked by No. of Attorneys
Law Firm
PhoneFax
Web SiteTotal No. of Attorneys/Total No.
of EmployeesTotal No. of Attorneys
Specializing in Consumer Fraud Consumer Fraud Services Available Year FoundedMotley Rice LLC28 Bridgeside Blvd.Mount Pleasant, SC 29464
843-216-9000843-216-9450
www.motleyrice.com42/200 29 Consumer Protection, Securities/Consumer Fraud, Toxic Tort Ron Motley, Joe Rice
2003
Nelson Mullins Riley & Scarborough LLP151 Meeting St., Suite 600Charleston, SC 29401-2239
843-853-5200843-722-8700
www.nelsonmullins.com39/33 6 Consumer Protection, Intellectual Property, Securities/
Consumer Fraud, Toxic TortRichard A. Farrier Jr.
1897
Richardson, Patrick, Westbrook &Brickman LLC1037 Chuck Dawley Blvd., Building AMount Pleasant, SC 29464
843-727-6500843-216-6509www.rpwb.com
33/80 4 Consumer Protection, Securities/Consumer Fraud, Toxic TortDave Butler, Charles Patrick, Chris Tuck,
Blair Hahn, Hoyt Rowell2002
Hood Law Firm LLC172 Meeting St.Charleston, SC 29401
843-577-4435843-722-1630
www.hoodlaw.com25/22 4 Consumer Protection, Intellectual Property, Securities/
Consumer Fraud, Toxic TortRobert H. Hood, Molly Hood Craig
1985
Pierce, Herns, Sloan & McLeod LLC321 East Bay St.Charleston, SC 29401
843-722-7733843-722-7732www.phsm.net
18/18 2 Consumer Protection, Securities/Consumer Fraud, Toxic Tort Allan P. Sloan III1999
McAngus Goudelock & Courie LLC78 Wentworth St., Suite 200Charleston, SC 29401
843-576-2900843-534-0605
www.mgclaw.com17/22 3 Toxic Tort James R. Courie
1995
Turner Padget Graham & Laney P.A.40 Calhoun St., Suite 200Charleston, SC 29401
843-576-2800843-577-3369
www.turnerpadget.com16/14 2 Securities/Consumer Fraud Michael G. Roberts
1929
Barnwell Whaley Patterson & Helms LLC885 Island Park DriveCharleston, SC 29492
843-577-7700843-577-7708
www.barnwell-whaley.com16/24 2 Consumer Protection, Intellectual Property B.C. Killough
1938
Hulsey Law Group LLC2 Wharfside St., No. 3Charleston, SC 29401
843-723-5303843-723-5307
www.hulseylawgroup.com4/2 2 DNR Paul Hulsey, Cherie Durand
2003
Stipkala LLC5401 Netherby Lane, Suite 102ANorth Charleston, SC 29420
843-580-9057843-207-8842
www.stipkalalaw.com4/2 0 Intellectual Property Jeremy M. Stipkala
2005
Gibson Law Firm LLC5422 Rivers Ave.North Charleston, SC 29406
843-744-1887843-744-5320
www.dgibsonlaw.com2/4 2 Consumer Protection, Securities/Consumer Fraud, Toxic Tort Don C. Gibson
1988
Information presented was provided upon request from company representatives, and SC BIZ News LLC assumes the data is accurate. Not all law firms arelisted, only those that responded to our information inquiry.ERISA-Employee Retirement Income Security Act. OSHA-Occupational Safety and Health Administration. RICO-Racketeer Influenced and CorruptOrganizations Act.DNR-Did Not Respond.
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/.
emergency resource Guidenational reSourCeS
Department of Homeland Security800-BE-READY, 888-SI-LISTO(800-237-3239, 888-735-4786)www.dhs.gov, www.ready.gov, www.listo.gov
Federal Emergency Management Agency800-621-FEMA (3362)770-220-5200 (regional office in Atlanta)www.fema.gov
American Red Cross800-RED-CROSS (800-733-2767)800-257-7575 (Spanish)www.redcross.org
National Hurricane Centerwww.nhc.noaa.gov
National Weather Servicewww.weather.gov
Centers for Disease Control and Prevention800-CDC-INFO (800-232-4636)888-232-6348www.cdc.gov
Environmental Protection Agency Emergency Management202-564-8600www.epa.gov/osweroe1
National Flood Insurance Program800-621-FEMA (3362)www.fema.gov/about/programs/nfip/
U.S. Small Business Administration800-U-ASK-SBA (800-827-5722)www.sba.gov
Department of Justice202-514-2000www.justice.gov
Department of Health and Human Services877-696-6775www.hhs.gov
Federal Alliance for Safe Homes877-221-SAFE (7233)www.flash.org
SoutH Carolina reSourCeSS.C. Emergency Management Division803-737-8500www.scemd.org
S.C. Department of Health & Environmental Control803-898-DHEC (3432)www.scdhec.gov
Bureau of Disease Control803-898-DHEC (3432)www.scdhec.gov/health/disease
Oil and Chemical Spillswww.scdhec.gov/environment/lwm/html/er.htm888-481-0125
S.C. Area Health Education Consortium843-792-4431www.scahec.net
Lowcountry Area Health Education Center843-782-5052www.lcahec.com
Next-of-kin Registrywww.nokr.org
Palmetto Poison Center800-222-1222poison.sc.edu
S.C. Red Cross Shelter Information800-RED-CROSS (733-2767)800-257-7575 (Espanol)www.scdhec.gov/administration/ophp/ hurricane/sheltering.htm
S.C. Department of Public Safety Emergency Traffic Network866-246-0133www.sctraffic.org
S.C. Department of Transportation803-737-2314www.dot.state.sc.us
S.C. Evacuation Routes888-877-9151www.scdot.org/getting/evacuation.shtml
S.C. Department of Insurance803-737-6160www.doi.sc.gov
S.C. Insurance News Service803-252-3455www.scinsnews.com
S.C. Department of Natural Resources Flood Mitigation Programs803-734-9103www.dnr.sc.gov/water/flood
Harvest Hope Food Bank803-254-4432www.harvesthope.org
Business Continuation Planner 2010 15
oPcon 5Most 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 4Possibility 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 3Disaster or emergency situation
is likely. The South Carolina Emergency Operations Plan and the appropriate specific
impact hazard emergency plan is activated.
oPcon 2Disaster or emergency situation is
imminent or in effect.
oPcon 1Major disaster or emergency
situation in effect; highest state of emergency operations and
the State Emergency Operations Center is fully activated.
oPEratIng condItIon (oPcon) LEvEL of rEadInEss
S.C. Department of Agriculture803-734-2210www.agriculture.sc.gov
S.C. State Veterinarian803-788-2260www.clemson.edu/public/lph
U.S. Department of Agriculture Animal/Plant Inspection Service803-788-0506www.aphis.usda.gov
Clemson Animal Emergency Responsewww.clemson.edu/extension/ep/animal.html
U.S. Department of Agriculture Farm Service Agency803-806-3820www.fsa.usda.gov/FSA
Clemson University Regulatory and Public Health Services864-646-2120www.clemson.edu/public/regulatory
CHarleSton County reSourCeSEmergency Preparedness Division843-202-7400www.charlestoncounty.org/departments/epd
Hurricane Preparedness Guidewww.charlestoncounty.org/guides.htm
Emergency Information Line – Citizens Information Line(Only during emergency Operations Center activation) 843-202-7100Emergency Information Line in Spanish 843-202-7191Emergency Line – TTY 843-202-7190
Charleston County Building Services Flood Zone843-202-7200
Disabilities Resource Center Mobility Issues843-225-5080www.drcilc.org
S.C. Department of Health and Environmen-tal Control Medical Needs Shelters803-898-4415www.scdhec.gov/administration/ophp/ hurricane/sheltering.htm
American Red Cross Carolina Lowcountry Chapter843-764-2323www.lowcountryredcross.org
CHarleSton Country utilitieS
telephone Service
BellSouthwww.bellsouth.com
electricity
S.C. Electric & Gas800-251-7234www.sceg.com
Berkeley Electric Cooperative843-553-5020www.becsc.com
Water
Commissioners of Public Works843-727-6800www.charlestonwater.com
Mount Pleasant Waterworks and Sewer Commission843-884-9626www.mountpleasantwaterworks.com
North Charleston Sewer District843-764-3072www.ncsd-sc.com
dorCHeSter County reSourCeSEmergency Info Line(Only during emergency Operations Center activation) 843-832-0212, 843-563-0212
Dorchester County Emergency Management Department843-832-0341, 843-563-0341www.dorchestercounty.net/EOC.html
Department of Social Services843-563-9524
Dorchester Seniors Inc.843-871-5053www.dorchesterseniors.com
Dorchester County Sheriff’s Office843-832-0300 (Administration)www.dorchestercounty.net/Sheriff_bio.htm
Trident United Way843-821-5000www.tuw.org
dorCHeSter County utilitieS
telephone Service
BellSouthwww.bellsouth.com
TDS866-571-6662www.tdstelecom.com
Water
Summerville Commissioners of Public Works843-871-0810www.summervillecpw.com
Dorchester County Water & Sewer Commission843-832-0075www.dorchestercounty.net/watersewer.html
electricity
Santee Cooper843-761-8000www.santeecooper.com
SCE&G800-251-7234www.sceg.com
Edisto Electric Cooperative800-433-3292www.edistoelectric.com
Berkeley Electric Cooperative843-553-5020www.becsc.com
berkeley County reSourCeSBerkeley County Emergency Management843-719-4166
Department of Social Services843-761-8044
The Salvation Army843-761-8626www.salvationarmy.org
Berkeley County UtilitiesTelephone Service
BellSouthwww.bellsouth.com
TDS866-571-6662www.tdstelecom.com
berkeley County utilitieS
Water
Berkeley County Water & Sanitation Authority843-761-8817www.bcwsa.com
City of Goose Creek Utilities843-797-6220
Moncks Corner Public Service District843-719-7900
electricity
Santee Cooper843-761-8000www.santeecooper.com
Berkeley Electric Cooperative843-553-5020www.becsc.com
SCE&G800-251-7234www.sceg.com
Natural Gas SCE&G800-251-7234www.sceg.com
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