Does General Liability Insurance Cover Property Damage Caused by Spring Storms?

General liability insurance typically does not cover damage to your business property. This includes damage caused by spring storms, such as wind, hail or flooding that affects your building, equipment or inventory.

General liability insurance is designed to cover your business from third-party claims, such as bodily injury or property damage that you may cause to others. For example, if a customer slips and falls on your premises or if you accidentally damage someone else’s property during your business operations, your general liability policy can help cover those costs.

Weather-Related Property Damage: What’s Covered?

When it comes to weather events such as spring storms, general liability insurance has clear limitations:

• Damage to your property—This is not covered by general liability insurance. You need a commercial property insurance policy to cover your building and contents from storm-related damage.
• Damage to others’ property—If your business activities cause damage to someone else’s property during a storm, your general liability policy may respond to those third-party claims.
• Business interruption—Loss of income due to storm-related closures is not covered by general liability insurance. Business interruption coverage may help in these situations.

Do Businesses in Fort Worth, TX Need Additional Coverage?

It is common for spring storms to cause significant damage. We recommend reviewing your insurance portfolio to make sure you have the right coverage. Here are some options to consider:

• Commercial property insurance—May help cover your building, equipment and inventory against storm damage.
• Flood insurance—Standard property policies often exclude flood damage, so a separate flood policy may be necessary.
• Business interruption insurance—May help cover lost income if your business is forced to close due to storm damage.

Cover Your Business This Storm Season

Understanding your insurance coverage is key to managing unexpected weather events. Our team at Cornerstone Independent Insurance Agency LLC is here to help you review your policies and identify any coverage gaps before the next storm hits. Contact us today to discuss your insurance needs.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.