Natural disasters can devastate commercial properties. Understanding what your insurance covers — and what it doesn't — is critical for proper protection.
What Standard Policies Cover
Most commercial property policies cover wind, hail, lightning, fire, and tornado damage. These are considered standard perils.
What Requires Additional Coverage
- Flood — Requires a separate flood insurance policy through FEMA's NFIP or a private insurer
- Earthquake — Requires a separate earthquake policy or endorsement
- Hurricane — Wind damage is covered, but flood damage from storm surge is not
Steps to Take
- Review your current policy for natural disaster exclusions
- Assess your property's risk based on location
- Purchase supplemental coverage for identified gaps
- Create a business continuity plan
BlackArrow agents can help you assess your natural disaster risk and find the right coverage.
