What Types of Insurance Do You Need for Storms? 

Storm season is a familiar challenge for businesses in Kenner, LA. High winds, heavy rain and flooding can damage property, disrupt operations and drive unexpected costs. That is why it is crucial to include storm-related coverage in your business insurance. 

  Essential Storm Coverage for Businesses 

Storm risk is rarely handled by a single policy. Most businesses use a mix of coverages that work together. Here are some common options:  

• Commercial property insurance may cover direct physical damage to your building and business property caused by covered events. This can include wind‑related damage such as torn roofing, broken windows, damaged signage and interior water intrusion caused by openings created during a storm. 

• Windstorm insurance may cover losses caused by high winds, hail, tornadoes, cyclones and thunderstorms when those events are limited or excluded under your standard property policy.  

• Business interruption insurance may help replace lost income and assist with ongoing expenses if storm damage forces temporary closure or relocation.  

• Extra expense insurance may support the added costs of staying operational after a storm, such as renting temporary space, leasing equipment or paying for expedited services to continue serving customers. 

• Equipment breakdown coverage may address sudden failures of mechanical or electrical systems, including HVAC units and certain power components affected during a storm.   

• Commercial general liability insurance may respond to third‑party claims that arise after a storm, such as injuries caused by slippery or damaged walkways or property damage linked to storm‑dislodged debris from your premises. 

• Flood insurance must be purchased separately because rising water and storm surge are usually excluded from commercial property insurance. Policies can be written for the building, contents or both, depending on your needs. 

Contact Our Agency 

Contact Fitzwilliam Insurance Services LLC for fast, knowledgeable assistance on business insurance. If your business is in Kenner, LA or nearby areas, our team can help review your current policies and recommend storm-related 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.