The prediction is that the El Nino will bring a winter with much needed rain and snow for California and the Pacific Northwest. With heavy rains can come flooding, leaks, land and mudslides. Heavy snow can cause roof leaks and even the collapse of a roof. Now is the time to prepare your business and assess how well you are covered. If you are in an area that could flood, consider flood insurance. There is a 30 day waiting period for most flood policies so do not wait until the river is rising to your doorstep to decide about the need for coverage.
The City of San Francisco has put together a list of resources that you can access for more information about disaster planning: Preparing for Disaster
Many of the things you can do are simple and could help save your business from loss or reduce a loss should one occur.
Have a safe winter.