Commercial hurricane insurance solutions throughout Richmond, VA and all of Virginia.

You might not know this, but your commercial property insurance may exclude hurricane damage from your policy or it may contain a high deductible. In that case, you will need a separate policy to go with your standard commercial property insurance.
The benefits of covering your business from hurricanes.

Factors like the location of your business, proximity to the coast, and your insurance carrier will likely influence the cost of your policy. However, when looking at the potential for many thousands of dollars in damages from just one storm, it’s beneficial to consider hurricane coverage.

Hurricanes can do a lot more than just damage your property.

Hurricanes devastate communities, resulting in flooded roads, fallen trees, and downed power lines to name a few. All of this, combined with any damage to your property, could cause your business to be shut down for days, weeks, or even longer. Including business interruption insurance with your commercial hurricane insurance policy may help you avoid financial difficulties by providing your business with income until you are able to resume your normal operations.

Commercial hurricane insurance is not flood insurance.

While it’s important to know what insurance does cover, it’s also important to know what it does not cover. The heavy rainfall from a hurricane can cause major flooding, which may result in harm to your business. However, your insurance policy will not provide coverage for that damage. Flood insurance is a separate policy that you may want to get in addition to your commercial hurricane insurance to provide more protection for your business.

Your business should consider how to mitigate your risks.

While you’ll never be able to stop a hurricane from happening, there are ways that your business can prepare for the worst and mitigate the risks that hurricanes pose to it. Risk management services may help you plan for potential hurricanes by examining your current coverage for gaps and then finding coverage to protect your property, employees, and equipment. Taking risk management steps may help save you money in the long run.

Want to learn more about commercial hurricane insurance and how it may help protect your business in the event of a storm? Contact us for more information and your coverage options.

Let’s discuss your commercial hurricane insurance.

One of our insurance advisors will reach out to you to review your information and present you with the appropriate commercial hurricane insurance solution. There’s no obligation, just good-old-fashioned advice.
KilGO Insurance Agency offers comprehensive commercial hurricane insurance throughout Virginia, including Richmond, VA, Fredericksburg, VA, Charlottesville, VA, and Virginia Beach, VA. We also service Raleigh, NC, Charlotte, NC, as well as Montgomery, MD, and Howard, MD.