5 Catastrophes You Need to Protect Your Business Against

5 Catastrophes You Need to Protect Your Business Against

Your business might be everything to you. You do a lot in order to protect it throughout the year, including having a business policy. Various catastrophes could happen at any moment, and you can never be too sure whether they will happen to you, no matter how hard you prepare. Knowing the catastrophes that could hit will make it easier for you to have the necessary protection in place.


Theft happens every day. People find a way to break in to a building and steal what they want. Additionally, you may have employees stealing without even having to break again because they already have keys and access to everything of value. Should you experience any kind of theft, you need to know that a business insurance policy in Florida is in place so that you are protected.


Fires happen when you least expect them. It could be as a result of someone smoking where they should, plugging into many things to an outlet, or overheating pieces of machinery. While you might do everything you can in order to avoid a fire, if a catastrophe happens, you want to make sure that your business is protected.

Hurricane Damage

Hurricanes are relatively common throughout Florida. It is considered a natural disaster, and is more extensive than a traditional thunderstorm. Something like this could blow through your area at any time, destroying your business. Often, hurricanes are part of the fine print of an insurance policy, see you want to make sure that you have the coverage in place should you ever need to file a claim.

Wind Damage

Wind can pick up significantly in Vero Beach and the rest of the East Coast. It’s enough to blow trees down, send shingles flying off of roofs, and much more. If your business experiences any kind of wind damage, you want to know that you can file a claim with the insurance company as opposed to paying everything out of company profits.


A flood is another catastrophe that is relatively common in Florida. It may be as a result of heavy rain, or it may be because of a busted pipe somewhere. However the flood forms, you want to make sure that the coverage is included in your business insurance policy. Often, rain-related floods will be covered, though plumbing ones will not. Add-ons are available to your policy so that you are protected against any catastrophe that you may face.

Sit down with an independent insurance agent and find out whether you are protected against the various catastrophes that could hit your business.