How Business Insurance Can Help Your Company Recover After a Natural Disaster

Kansas is one of the most tornado-prone states in the country. Add in seasonal flooding, high winds and hail, and the risk to commercial property becomes clear. Without the right insurance coverage, a single storm could result in significant financial setbacks or even permanent closure.

Key Types of Business Insurance That Can Help

Here are the most important types of business insurance to consider when preparing for natural disasters in Kansas.

Commercial Property Insurance

This coverage helps protect your building, equipment and inventory from damage caused by wind, hail, fire and other covered perils. It’s a foundational policy for any business in Kansas. Keep in mind that flood damage is typically excluded and requires separate coverage.

Business Interruption Insurance

If a storm or other disaster forces your business to close temporarily, this coverage can help replace lost income and cover ongoing expenses like rent, payroll and utilities. It’s especially valuable for small businesses that rely on steady cash flow.

Commercial Auto Insurance

If your business owns vehicles, this policy can help cover repairs or replacements if damaged in a storm or flood. Comprehensive coverage is key for weather-related incidents.

Flood Insurance

Standard property insurance doesn’t cover flooding. If your business is in a flood-prone area, you’ll need a separate flood policy through the National Flood Insurance Program or a private insurer.

Equipment Breakdown Insurance

Kansas storms can knock out power or damage essential systems like HVAC, refrigeration or manufacturing equipment. This coverage can help pay for repairs or replacements.

Learn More

The Bovard Insurance Group team can review your current coverage and recommend additional policies and endorsements to help provide appropriate coverage for damage caused by natural disasters.

Don’t wait for the next storm to find out if you’re covered. Contact us today to get started.

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.