Attorneys and insurance experts offer these tips on preparing for business interruption and pursuing reimbursement from insurers:

• EVALUATE YOUR RISK PROFILE: Take stock of specific risks posed to your company, industry and area. Stay informed of developments that could lead to civil unrest. Perform the same evaluation for entities in your supply chain, primary customers and receivers.

• KNOW YOUR POLICY: Work with your broker or risk consultant to understand the limitations of your business interruption coverage, including duration and proximity exclusions.

• DOCUMENTATION: Insurers typically require claimants to provide evidence of damage or lost income, and proof of a government-ordered evacuation, if applicable. Keep copies of accounting records and your complete insurance policy in a secure offsite location.

• LOSS CONTROL: Invest in safety and security equipment. Rolling metal gates and shutters can prevent glass damage and looting, and well-maintained sprinkler systems can mitigate fire damage.

• DRAFT A PLAN: Establish internal protocols and procedures for disaster response, including designating emergency contacts and meeting points for employees. Maintain communication with local authorities, city officials and claims adjusters.

• REGAIN CONTROL: Re-establish climate control to preserve what's been damaged and to prevent mold growth. Separate damaged and undamaged property, and hire a contractor to begin repairs.

• TALLY THE DAMAGE: Take a detailed inventory of what's been damaged or destroyed, noting the value and nature of the damage. For interruption claims, a forensic accountant may be needed to assess lost revenue.

• NOTIFICATION: Whether you intend to pursue a claim or not, it is important to notify your insurer or broker that damage or losses have been sustained. Also notify police of any property that has been stolen, damaged or destroyed.

• WEIGH YOUR OPTIONS: While reimbursement may be available, waiting periods, deductibles and payment caps may make it more beneficial to restock, repair damage and reopen before the claim is settled.