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Downtown GainesvilleYou likely know that living in Florida means that there are plenty of weather risks. We aren't the Sunshine State all the time. Severe weather can pose a risk to your business, and you need to know how to protect your property in the meantime.

Insuring Your Business for Weather


Each town has its own risks of severe weather.

Gainesville receives, on average, about 47.37 inches of precipitation annually, according to U.S. Climate Data. However, severe weather can impact this number. If you live in Florida, you likely know that the state faces a higher risk of flooding and hurricane damages. Even though Gainesville is inland, Florida's unique geography poses significant precipitation risks.

Your standard business insurance policy likely covers certain elements of weather damages. However, other weather risks do not have coverage in the standard business policy. Certain exclusions may apply to flood and hurricane damage coverage.

Check your business insurance policies for weather coverage. If the policy contains exclusions, you can often buy extra coverage to add the protection.

Flood Insurance


Flood insurance almost never comes as part of a standard business insurance policy. There are significant chances for water accumulation in Florida.

For that reason, many businesses in the Gainesville area have flood risk assignments. The government and local authorities develop flood maps that assign risks to properties. The level of property risk determines flood insurance needs for businesses. If businesses have high flood risks, the law often requires them to buy flood insurance.

Flood insurance can cover flood damages from a variety of weather-related events. It can also provide protection for certain interior and exterior damages. Specific coverage depends on the policy.

Hurricane Insurance


Gainesville's inland location does not make it immune to hurricane risks. However, that risk is comparatively low. Nonetheless, Gainesville can receive the side effects of hurricanes.

When insuring your business, learn how your insurance policy covers storm damages. If the remnants of a hurricane strike, your standard policy may cover the damages up to a certain amount.

However, if a named hurricane strikes Gainesville, you may not have coverage. A named hurricane is one that meets the meteorological definition of a hurricane. Florida law allows insurance companies to suspend policies if a named storm threatens. If a hurricane threatens, your insurance company may suspend your standard business policy. You may have to get a hurricane policy to cover damages that happen during the duration of the storm.

Talk to your insurance agency about the need for flood and hurricane insurance in Gainesville. By properly insuring the business, you can get help repairing any damages.

Ahrens Insurance Agency can help you get an insurance policy to meet your business needs. Call us at (352) 368-7090 for a fast and free Gainesville business insurance quote now.
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