Copeland Insurance


Natural disaster insurance helps your business prepare for the unexpected.

Shield your business from nature's havoc with natural disaster insurance.

Prepare for the Unpredictable

There’s no telling when disaster will strike. While we can predict the likelihood of hurricanes in the Atlantic during summer and their potential severity, surprises are always possible. Earthquakes and fires offer even less warning. Your business needs to be ready for anything.

Natural Disaster Insurance as a Risk Management Tool

Many standard business insurance policies have high deductibles for natural disaster claims or exclude them altogether. The first step in effective risk management is understanding what disasters are most likely and reviewing your current insurance coverage. Identifying and addressing coverage gaps can save your business tens of thousands of dollars or more in the long run.

The Extent of Damage from Natural Disasters

News coverage of natural disasters often highlights the staggering repair costs. Even one inch of water in a flooded building can cause significant damage, easily reaching five figures. With events like sewer backups, there’s the added complexity and expense of hazardous waste cleanup. Severe natural disasters can strain local resources, leading to delays in repairs and exacerbating issues like mold growth or additional damage from subsequent weather events. This financial distress can make the remediation process even more complicated.

Protect Your Business

Having natural disaster insurance is crucial to mitigate these risks and ensure your business can recover quickly. Contact us to discuss your coverage needs and safeguard your business against nature’s unpredictability.

Natural disasters are unpredictable, and the specific risks largely depend on your location. Events such as tornadoes, flooding, hurricanes, earthquakes, wildfires, and more can vary in likelihood and impact based on where your business is situated.

Ensure Comprehensive Protection with Business Interruption and Property Coverage

Even with natural disaster insurance to cover property repair costs, your business might still need to shut down temporarily. For instance, if you own an apartment building, tenants may have to move out during repairs, resulting in lost rental income. Business interruption insurance can help bridge this gap and prevent financial hardship. It’s crucial to thoroughly review your policy to understand which perils are included and seek additional coverage if necessary.

To learn more about the types of natural disaster insurance that might be right for you, contact us today.


Risk Factor

Some windstorms can produce wind speeds as high as 200 miles per hour. This can result in extensive damage to a building, particularly to the roof. Damages caused by wind may not be covered under a standard insurance policy or the coverage may not be adequate.


Many insurers impose a windstorm deductible, which can be a flat amount or a percentage as high as 5% of the total insured value of the property. Most coastal locations have a high wind and hail exposure and, therefore, policies in those locations typically include large wind deductibles. Separate wind deductible buyback policies can be purchased that will lower the deductible to as little as $5,000.


Risk Factor

Wildfires and forest fires are considered natural disasters, but most are caused by the actions of humans. Residential and commercial fires often get separated from this category, but they can be disastrous nonetheless. Regardless of whether a fire is widespread, as in the case of a wildfire, or localized, fires can cause extensive damage to a building in a matter of minutes.


The costs to clean up and repair damage caused by fire add up very quickly. As a building owner, you must be sure your building is insured properly against fire damage. Your insurance needs can change based on whether your building is residential only, mixed use, or commercial only. If you live in an area prone to wildfires, inquire about additional coverage.

Water Backup

Risk Factor

Backup of a sewer or drain can cause damage to not only the unit it starts in, but other units as well. Water damage caused by a backup would not be considered flood water. The cleanup and repair of drain and sewer backups can become even more costly if the water contains hazardous waste.


Water can back up in sewers, drains, and sump pumps for a variety of reasons. However, typical property policies do not cover the costs of cleanup and repair. Water backup insurance can provide the protection you need for your building.


Risk Factor

Floods can cause extensive damage to your property. Even one inch of water can lead to many thousands of dollars of damage. Water damage is considered to be the result of a flood if it comes from the overflow of a natural body of water, but it can also include heavy rain that seeps into the building.


Flood insurance is typically not included in a commercial property insurance policy, but can generally be added by endorsement as long as the property is not in a high risk flood zone. If coverage is excluded from the policy, you should look into the cost to add it. If your property is in a high-risk flood zone, you will need to obtain a standalone policy. In either case, it’s important to have coverage.


Risk Factor

The United States Geological Survey estimates we have about 20,000 earthquakes per year. Thankfully, most of them are small. Some believe that earthquakes only occur in certain areas of the country, but the fact is that in the last 120 years, there have been earthquakes recorded in 39 states.


Earthquakes can cause extensive damage to your property. The cost to clean up and repair damage can become very expensive very quickly. Damage caused by volcanic eruptions can also be included in earthquake policies.

Natural disaster insurance prepares your business for the unexpected.

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