Hurricane Protection Plan Insurance for Businesses

view of hurricane by satellite

Do I Need Hurricane Protection Plan Insurance for My Business?

No one knows when a hurricane will barrel through their town, but business and homeowners can take some comfort in knowing that they have Hurricane Protection Plan insurance. This type of coverage can help safeguard your business from the devastating effects of a named hurricane storm. If you're wondering what exactly is covered by this policy, keep reading. We'll explain everything you need to know about Hurricane Protection Plan insurance. Plus, we'll give you some tips on how to choose the right policy for your business and home. Let's get started!

What is Hurricane Protection Plan Insurance?

Business insurance is vital for businesses in hurricane-prone areas. A Hurricane Protection Plan is a type of business insurance that helps to financially protect businesses in the event that their property is damaged or destroyed by a named hurricane. The plan typically covers the cost of repairs, replacement, and cleanup after a storm. It can also help to cover lost income if the business is forced to close for an extended period of time.

The Hurricane Protection Plan can be purchased for a commercial property and or a residential home or property.

What is the difference between Commercial and Personal/Residential Plans?


A Commercial Hurricane Protection Plan provides coverage against named hurricanes for commercial properties. The plan has limits available from $1,000 to $100,000. The Commercial Hurricane Protection Plan covers expenses incurred for: hurricane preparation, evacuation, sign damage, landscaping, power surge, power outages, business property damage, vandalism, debris removal, food spoilage, tree damage, detached structures, generator and fuel expenses, in addition to all other hurricane related expenses, including interruptions of business, loss of income, business relocation, power restoration, employee and contractors costs, etc. Unlike a typical insurance policy, there are no deductibles, underwriting process and or claims process. If the business carries windstorm coverage as part of its Commercial Property policy, then they may purchase Hurricane Protection equal or up to their windstorm deductible amount. If the business does not carry this type of insurance, then they may purchase Hurricane Protection Plan up to a limit of $100,000.


A Residential Hurricane Protection Plan, provides coverage against named hurricanes for homeowners, mobile homes, renters, condo owners, vacant, seasonal and corporately owned dwellings. This type of Hurricane Protection Plan pays for losses not normally covered by a homeowners policy such as; trees and debris removal, swimming pool damage, boat docks, detached property, evacuation expenses, power restoration, losses below the deductible, and all other hurricane related expenses. Coverage may be purchased by individuals with an existing homeowner’s policy or by those uninsured. This is a policy for those who live in areas that experience frequent hurricanes. Similarly to the Commercial plan, if the property’s insurance policy covers wind - the deductible amount is the maximum allowed for purchase. If the property is uninsured, then the insured may purchase up to the maximum limit of $100,000.

How do I purchase Hurricane Protection Plan Insurance?

As a business owner, you need to weigh the risks associated with your particular industry and location. For some businesses, a Commercial Hurricane Protection Plan is a no-brainer. If you’re in an area that’s prone to hurricanes or if your business relies on critical infrastructure that could be impacted by a storm, then it’s important to have a plan in place.

If you are a homeowner located in a similar area, a Residential Hurricane Protection Plan is a vital policy to protect your property. Before making any decisions, it’s important to consult with an insurance agent who can help you assess your unique situation and find the right coverage for your needs. Click the button below to find an agent near you and find out more about how Ascendant can protect your home or business from hurricane damage.

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