Commercial Insurance: Avoid Storm-Related Claims

During spring and summer, Florida sees a sharp increase in severe storms and heavy rain. If you own a business, it’s critical to take preventive action to avoid damage or minimize risks. Here are some key recommendations:

1. Inspect Your Business
   Perform a detailed inspection to identify vulnerable areas, especially the roof, windows, and exterior structures.
2. Check the Drainage System
   Clean gutters and downspouts to ensure proper water flow. Clogged drains can lead to flooding and property damage.
3. Trim Nearby Trees
   If trees near your business touch the building or power lines, hire professionals to trim them and reduce the risk of falling branches.
4. Secure Outdoor Furniture
   If your business has outdoor seating, such as tables or umbrellas, create a plan to secure them during storms to prevent injuries or property damage.
5. Parking Area Safety
   Ensure the parking lot is safe and doesn’t flood. Look for puddles, uneven surfaces, and poor lighting that could cause slips or vehicle issues.
6. Backup Power Supply
   Depending on your business, a generator may be necessary during power outages. Test it and confirm that emergency lights and exit signs are functional.
7. Prevent Leaks and Water Damage
   If your building has leaks, set up an internal safety protocol to reduce accidents, especially slips and falls. According to the University of Miami Medical School, Florida sees over 75,570 hospitalizations annually due to slip and fall accidents—many in commercial areas.
8. Review Your Commercial Insurance
   Now is the time to sit down with a Univista Insurance agent to review your commercial insurance policy. Make sure all weather-related risks are covered and that your coverage is up to date for storm season.

👉 Learn more about coverage at: Univista Commercial Insurance or call (305) 995-0032 to speak with one of our insurance experts.