2010 business continuation planner

Planner 2010

BusinessC o n t i n u a t i o n

Restoring Peace of Mind

SponSored by

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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


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

bj

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:


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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In an Instant By Allison Cooke Oliverius

[email protected]

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

bj

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.

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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 ➤

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• 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

bj

PLANNING, continued from Page 19 ➤



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/.



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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




http://www.jnrcpas.com/

http://www.tonypope.com/


Fire Insurance CompaniesRanked by Dollar Amount of Premiums Written in South Carolina in 2008

CompanyPhone


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


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




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 Property and Casualty Insurance Co.1 Nationwide PlazaColumbus, OH 43215


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








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

CompanyPhone

Website* Premiums Written in South Carolina in 2009



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 Property and Casualty Insurance Co.1 Nationwide PlazaColumbus, OH 43215


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






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




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


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


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 County reSourCeSBerkeley County Emergency Management843-719-4166

Department of Social Services843-761-8044

The Salvation Army843-761-8626www.salvationarmy.org

Berkeley County UtilitiesTelephone Service


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


SCE&G800-251-7234www.sceg.com

Natural Gas SCE&G800-251-7234www.sceg.com


843.849.3126


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