Preparing Your Florida Business for Hurricane Season

For Florida businesses, hurricane season is a predictable risk that deserves a plan. The businesses that recover fastest are the ones that prepared before the storm, both physically and through the right insurance.

Practical steps before a storm

• Back up critical data offsite or in the cloud.
• Document your property and inventory with photos.
• Have a communication plan for staff and customers.
• Protect physical premises where you can.

The coverages that matter

Commercial property coverage helps repair storm damage, but it usually excludes flood, which often needs a separate policy. Business interruption coverage replaces income while you are closed, which for a storm-related shutdown can be the difference between reopening and not. Review your hurricane and windstorm deductibles so there are no surprises.

Do not wait for a named storm

Coverage changes and new policies often cannot be bound once a storm is approaching, so the time to review is well before the season peaks.

What Truscott recommends

Review your storm exposure and business income coverage before hurricane season, not during it. Explore business insurance or request a free quote.