Be familiar with the emergency plans in your workplace and in your children's school or day care. Leave written backup care arrangements with the school or day care in case you can't get there right away in an emergency. Check regularly with your insurance agent or broker to ensure you have appropriate and adequate insurance coverage, including any extensions in coverage that may be available. Coverage is available for most major disasters such as fire, lightning strikes, windstorms, hail, tornadoes and others. Overland flood coverage can be added to business policies, but is not generally available for homeowners.
Most policies can include coverage for damage caused by sewer back-up.
Make sure your policy includes sewer back-up insurance. Keep it in your emergency kit. It will be invaluable in the event of loss. Make sure your insurance policies and related records are in a safe location and easily available after an emergency or disaster. The Insurance Bureau of Canada has information on all aspects of insurance.