{"id":2953,"date":"2026-02-19T10:14:29","date_gmt":"2026-02-19T16:14:29","guid":{"rendered":"https:\/\/www.fitzwilliaminsurance.com\/?p=2953"},"modified":"2026-03-04T05:51:08","modified_gmt":"2026-03-04T11:51:08","slug":"what-types-of-insurance-do-you-need-for-storms","status":"publish","type":"post","link":"https:\/\/www.fitzwilliaminsurance.com\/es\/blog\/what-types-of-insurance-do-you-need-for-storms\/","title":{"rendered":"What Types of Insurance Do You Need for Storms?\u00a0"},"content":{"rendered":"<p>Storm season is a familiar challenge for businesses in Kenner, LA. High winds, heavy\u00a0rain\u00a0and flooding can damage property, disrupt\u00a0operations\u00a0and drive unexpected costs. That is why it is crucial to include storm-related coverage in\u00a0your\u00a0<a href=\"https:\/\/www.fitzwilliaminsurance.com\/coverage\/business\/\">business insurance<\/a>.<\/p>\n<h2>Essential Storm Coverage for Businesses<\/h2>\n<p>Storm risk is rarely handled by a single policy. Most businesses use a mix<br \/>\nof coverages that work together. Here are some common options:<\/p>\n<ul>\n<li><b>Commercial property insurance<\/b>\u00a0may cover direct physical damage to your building and business property caused by covered events. This can include wind\u2011related damage such as torn roofing, broken windows, damaged\u00a0signage\u00a0and interior water intrusion caused by openings created during a storm.<\/li>\n<li><b>Windstorm insurance<\/b>\u00a0may cover losses caused by high winds, hail, tornadoes,\u00a0cyclones\u00a0and thunderstorms when those events are limited or excluded under your standard property policy.<\/li>\n<li><b>Business interruption insurance\u00a0<\/b>may help replace lost income and\u00a0assist\u00a0with ongoing expenses if storm damage forces temporary closure or relocation.<\/li>\n<li><b>Extra expense insurance<\/b>\u00a0may support the added costs of staying operational after a storm, such as renting temporary space, leasing\u00a0equipment\u00a0or paying for expedited services to continue serving customers.<\/li>\n<li><b>Equipment breakdown coverage<\/b>\u00a0may address sudden failures of mechanical or electrical systems, including HVAC units and certain power components affected during a storm.<\/li>\n<li><b>Commercial general liability insurance<\/b>\u00a0may respond to third\u2011party claims that arise after a storm, such as injuries caused by slippery or damaged walkways or property damage linked to storm\u2011dislodged debris from your premises.<\/li>\n<li><b>Flood insurance<\/b>\u00a0must be\u00a0purchased\u00a0separately because rising water and storm surge are usually excluded from commercial property insurance. Policies can be written for the building,\u00a0contents\u00a0or both, depending on your needs.<\/li>\n<\/ul>\n<h2>Contact Our Agency<\/h2>\n<p><a href=\"https:\/\/www.fitzwilliaminsurance.com\/contact-us\/\">Contact Fitzwilliam Insurance Services LLC<\/a>\u00a0for fast, knowledgeable\u00a0assistance\u00a0on business insurance.\u00a0If your business\u00a0is in\u00a0Kenner, LA\u00a0or nearby areas, our team can help review your current policies and recommend storm-related insurance options.<\/p>\n<p><i>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.<\/i><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Storm season is a familiar challenge for businesses in . High winds, heavy\u00a0rain\u00a0and flooding can damage property, disrupt\u00a0operations\u00a0and drive unexpected costs. That is why it is crucial to include storm-related coverage in\u00a0your\u00a0business insurance. Essential Storm Coverage for Businesses Storm risk is rarely handled by a single policy. Most businesses use a mix of coverages that [&hellip;]<\/p>\n","protected":false},"author":35,"featured_media":2961,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"none","_seopress_titles_title":"Essential Storm Coverage for Businesses: Why Business Insurance Matters","_seopress_titles_desc":"Ensure your business is prepared for storm season with comprehensive insurance coverage that safeguards against wind, rain, and flooding damage.","_seopress_robots_index":"","_analytify_skip_tracking":false,"footnotes":""},"categories":[1,24],"tags":[],"class_list":["post-2953","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-business-insurance"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.fitzwilliaminsurance.com\/es\/wp-json\/wp\/v2\/posts\/2953","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fitzwilliaminsurance.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fitzwilliaminsurance.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fitzwilliaminsurance.com\/es\/wp-json\/wp\/v2\/users\/35"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fitzwilliaminsurance.com\/es\/wp-json\/wp\/v2\/comments?post=2953"}],"version-history":[{"count":0,"href":"https:\/\/www.fitzwilliaminsurance.com\/es\/wp-json\/wp\/v2\/posts\/2953\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fitzwilliaminsurance.com\/es\/wp-json\/wp\/v2\/media\/2961"}],"wp:attachment":[{"href":"https:\/\/www.fitzwilliaminsurance.com\/es\/wp-json\/wp\/v2\/media?parent=2953"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fitzwilliaminsurance.com\/es\/wp-json\/wp\/v2\/categories?post=2953"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fitzwilliaminsurance.com\/es\/wp-json\/wp\/v2\/tags?post=2953"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}