Storm Protection for Your Greenville, SC Business: What Insurance Coverage Do You Need?

Severe storms are a reality for businesses across South Carolina, bringing risks like wind, hail, flooding and power outages. Understanding which insurance coverages can help protect your business from storm-related losses is essential for long-term stability.

Key Insurance Coverages for Storm Protection

Property Insurance

Property insurance may help cover damage to your building, equipment, inventory and other physical assets caused by storms. This includes risks such as wind, hail and lightning. However, it’s important to note that standard property insurance often excludes flood damage, which is a common concern during hurricanes and heavy rain in South Carolina.

Flood Insurance

Because most commercial property policies do not cover flooding, we recommend considering a separate flood insurance policy. This coverage can help protect your business from losses due to rising water, storm surge or flash floods, risks that are especially relevant in coastal and low-lying areas of South Carolina.

Business Interruption Insurance

Storms can force your business to close temporarily, resulting in lost income and ongoing expenses. Business interruption insurance may help replace lost revenue and cover operating costs while your business recovers from a covered event. This coverage can be especially valuable for small and medium-sized businesses that rely on steady cash flow.

Liability Insurance

Storms can create hazardous conditions that may lead to injuries or property damage involving customers, vendors or the public. General liability insurance may help protect your business financially if you’re held responsible for such incidents during or after a storm.

Learn more

Our team can help you review your current policies, identify coverage gaps and ensure you have the protection you need before the next storm hits. Contact us today to discuss your business insurance options.

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.