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Living and working in Alabama involves dealing with the potential for natural disasters, which often include significant flooding. If you’re running a business in the state, you might be wondering if your commercial insurance includes flood protection. The answer is typically no. You will generally need a separate flood insurance policy for added protection and peace of mind. At Robinson Insurance Group LLC, we’ll work with you to determine which high-risk industries benefit most from flood insurance to minimize your risks year-round.
Hospitality
Those working in hospitality near beaches, city centers, or rivers may be more likely to experience flooding and/or water damage. To protect guests, obtaining a flood insurance policy can provide tranquility when it comes to liability and repair costs.
Restaurants
Dealing with a flood as a restaurant or café owner can be devastating without a proper insurance policy in place. Flash flooding can occur unexpectedly, damaging interiors, refrigeration systems, and even food inventory or ingredients, resulting in prolonged closures.
Auto Dealerships
From car washes and garages to auto dealerships, flood insurance is always recommended. Just one unexpected flash flood can cause devastating losses to your entire inventory without a proper policy in place.
Manufacturing
Manufacturing and warehouse businesses are often situated in areas that are more prone to flooding. Equipment, materials, and entire inventories are at risk of being destroyed without flood insurance in effect.
While obtaining flood insurance isn’t always required by law, it’s highly advisable for any business owner living and working in Alabama. The right flood insurance policy can protect against major liabilities, natural disasters, and unexpected water intrusion incidents. To learn more about flood insurance and to determine if a flood insurance policy is right for your business, contact Robinson Insurance Group LLC for your consultation today.
