Natural Disaster Insurance

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Small business owners can control a lot of things about their company and operations. From the product and design, to who they are going to hire, or what they are selling. But you can't control Mother Nature; a natural disaster can strike anywhere at any time. Property damage can be repaired but if your business is down for weeks or months, would you really be able to recover? Unlike larger businesses, small businesses are typically more vulnerable when a disaster strikes simply because small businesses don’t have many resources available. In fact, according to a report from FEMA, 40-60% of small businesses don’t recover after being hit by a natural disaster.

Who Needs Natural Disaster Insurance?

Luckily there are different types of insurance policies that will protect your business from natural disasters. If your business is already insured, you might want to review your existing policies to make sure that it covers all your business’ needs. Remember, not all small businesses have the same risks so be sure about your risk assessment and revisit your coverage, deductibles, limits, and exclusions. This way you can ensure that you’re getting the most coverage and that you’re not paying for insurance that your business might not need. Remember insurance will only cover you if you have it in place before a disaster strikes. It’s always better to have it and not need it than to need it and not have it.

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How much does Natural Disaster insurance cost?

Premiums for Natural Disaster insurance are based on several factors, and the cost of your policy will depend on how much coverage you need. Other factors that your premium include:

  • The construction year of the building where your business is located
  • Building occupancy
  • The number of floors in the building
  • The location where your businesses’ physical assets are stored
  • If you’re located in a natural disaster prone area
  • Amount of building coverage
  • Contents covered, and your chosen deductibles.

Premiums for Natural Disaster insurance can range anywhere from $500 to thousands of dollars annually. But if your business is located in a moderate to low Natural Disaster risk area, you can apply for a Preferred Risk Policy that offers low premium rates for those who are qualified. Otherwise, a standard rated policy applies for businesses depending on the level of risk.

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CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.

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