Commercial Hurricane Insurance

Specialized coverage for wind damage, storm surge, and other hurricane-related perils – essential protection for coastal businesses.

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Why Standard Policies May Not Be Enough

Special Hurricane Deductibles

Most commercial policies have separate, higher deductibles for hurricane damage, often calculated as a percentage of insured value rather than a flat dollar amount.

Wind Damage Coverage Gaps

Standard policies may exclude or limit wind damage in hurricane-prone areas, requiring specialized hurricane or windstorm coverage.

Storm Surge Exclusion

Flooding from storm surge is typically excluded from standard policies and requires separate flood insurance, creating coverage gaps during hurricanes.

What Hurricane Insurance Covers

Wind Damage

Damage to roofs, walls, windows, and structural elements caused by hurricane-force winds and flying debris.

Emergency Repairs

Temporary repairs to prevent further damage, including board-up services, tarps, and temporary stabilization.

Business Interruption

Lost income and extra expenses if your business must close due to hurricane damage, evacuation orders, or utility outages.

Equipment Breakdown

Damage to HVAC systems, electrical equipment, and machinery from power surges or physical damage during the storm.

Debris Removal

Costs to remove fallen trees, damaged structures, and other debris caused by hurricane conditions.

Loss of Use

Additional living expenses if business premises are uninhabitable and temporary relocation is necessary.

Hurricane Preparedness for Businesses

Fortify Your Property

Install hurricane shutters, reinforce roofs and doors, and secure outdoor equipment and signage.

Business Continuity Plan

Develop evacuation procedures, remote work capabilities, and communication plans for employees and customers.

Data Protection

Back up critical data offsite, protect servers and electronics, and secure important documents in waterproof containers.

Early Protection

Review insurance policies before hurricane season, create inventory documentation, and establish relationships with restoration contractors.

Protect Your Coastal Business from Hurricane Damage

Don’t wait until hurricane season is underway. Secure specialized hurricane coverage today to protect your business from wind damage, storm surge, and business interruption.

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