Natural Disaster Insurance

Preparing for the unexpected starts with the right insurance.

Natural disaster insurance to protect your business and assets.

Mother Nature can wreak havoc on your business anytime and anywhere. While some areas may be more prone to certain events than others, no matter where you are, there’s always a risk of a natural disaster. Because many of these occurrences can be catastrophic, there are often exclusions for them in standard business policies. Buying natural disaster insurance can provide additional protection.

There’s no telling when disaster will strike.

For most natural disasters, there’s no way to know when exactly one will hit. We can certainly expect hurricanes in the Atlantic during summer and scientists make predictions about how many and the severity, but there can always be surprises. Other disasters such as earthquakes and fires come with very little warning at all. To some extent, your business has to be ready for anything.

Natural disaster insurance is part of comprehensive risk management.

Many standard business insurance policies either include very high deductibles for claims resulting from natural disasters, or they do not cover these claims at all. The first step in any risk management planning is to understand what is most likely to happen and what current insurance coverage is in place. Identifying gaps in coverage can save tens of thousands of dollars or more down the road.

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Natural Disaster Insurance

Damage from natural disasters can be extensive.

Read the news coverage after any natural disaster and you’re bound to hear horror stories about the costs of repairs. Even one inch of water in a flooded building can cause five-figure damage. When you consider the water damage from something like a sewer backup, in addition to the water damage itself, you can be dealing with hazardous waste cleanup, too. Depending on how hard hit an area is, resources could become difficult to find, leading to delays in repairs. This can turn a bad situation worse as mold grows or a wind-damaged roof lets additional rain in. Financial distress on account of these events just makes the remediation process more complicated.

Consider business interruption insurance as well as property coverage.

Even if you have natural disaster insurance to cover the costs of repairs to your property, there’s a good chance your business may need to shut down temporarily. If you own an apartment building, your tenants may need to move out during this time, leaving you in the lurch from lost rent. Business interruption insurance can help bridge that gap and prevent financial ruin. Be sure to thoroughly check what perils are included in your policy and seek out additional coverage if necessary.

To learn more about the kinds of natural disaster insurance you might want to consider, contact us today.

Natural Disaster Insurance

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With two offices in Lemoyne, PA, The Kind Insurance is proud to serve clients throughout Pennsylvania. We are also licensed to serve clients in over seven other states.

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Medical Payments Coverage and Personal Injury Protection

Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it’s not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.

Solution

Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it’s important to understand what’s required where you live.

Note: Actual policies must be consulted for specific terms and conditions.

Rental Coverage / Loss of Use

Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.

Solution

Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Note: Actual policies must be consulted for specific terms and conditions.

Bodily Injury Liability Coverage

Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.

Solution

Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Note: Actual policies must be consulted for specific terms and conditions.

Physical Damage Coverage

Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.

Solution

Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Note: Actual policies must be consulted for specific terms and conditions.

Property Damage Coverage

Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else’s property. The amount required, if any, can vary by state.

Solution

The property damage portion of your auto insurance policy protects you if your car damages someone else’s property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Note: Actual policies must be consulted for specific terms and conditions.

Uninsured / Underinsured Motorist Damage Coverage

Risk Factor

What happens when the driver who hit you doesn’t have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.

Solution

Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Note: Actual policies must be consulted for specific terms and conditions.

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