Summer Storms and Business Risks: Is Your San Antonio Business Insurance Ready?

Summers can bring hailstorms, flash flooding and high winds that may disrupt operations, limit access to your location and lead to costly setbacks for Texas businesses. Our team at Texas Associates Insurance offers business insurance options that match your budget and needs

How Do Summer Storms Impact San Antonio Businesses?

Recovery from a summer storm can take longer and cost more than most San Antonio business owners expect. What starts as property damage may quickly turn into lost income and unplanned expenses. Common storm-related business losses may include:

• Structural damage from hail or wind
• Inventory and equipment losses from water intrusion
• Revenue loss during forced closures
• Damage to signs, fencing and outdoor property

Which Insurance Coverages Should You Review?

Our team recommends reviewing these coverage types:

• Commercial property insurance can cover storm damage to your building, inventory and equipment.
• Business interruption insurance may help cover lost income and operating costs during a temporary closure.
• Flood insurance can cover damage from rising water, which standard policies may not include.
• Equipment breakdown coverage can help cover the cost of repairing or replacing equipment damaged by surges or outages.

What Policy Exclusions Should You Be Aware Of?

Standard policies may not include the following:

• Flood damage from rising water may not be covered under standard commercial property or business owner’s policies.
• Wind damage may not be covered without a windstorm rider and separate deductibles may apply for named storms.
• Utility interruptions originating off-premises may require a specific endorsement for coverage.

Get Insured Today

Contact Texas Associates Insurance to get a free custom quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.