---
title: "Be Storm-Ready: A Hurricane Prep Guide for Florida Businesses"
description: Prepare your Florida business for hurricane season with practical tips and coverage guidance from the advisors at Mulling Insurance.
image: https://blog.mullinginsurance.com/hubfs/MUL_BlogImage_StormReady_2025.jpg
---
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[Home](https://mullinginsurance.com/) » [Mulling Insurance Blog](https://blog.mullinginsurance.com) » Be Storm-Ready: A Hurricane Prep Guide for Florida Businesses
# Be Storm-Ready: A Hurricane Prep Guide for Florida Businesses
Posted on [September 10, 2025](https://blog.mullinginsurance.com/be-storm-ready-a-hurricane-prep-guide-for-florida-businesses)
Hurricane season is always a serious test for Florida businesses. In 2024, Hurricanes Milton and Helene reminded us just how disruptive these storms can be, causing [billions in damages](https://edition.cnn.com/2024/10/17/business/hurricane-milton-losses) and impacting countless livelihoods. While [NOAA is predicting](https://www.noaa.gov/news-release/prediction-remains-on-track-for-above-normal-atlantic-hurricane-season) for an above-normal hurricane season in 2025, it only takes one storm to cause major setbacks.
That’s why preparation matters. Taking time now to review your coverage, protect your property, and plan for emergencies can make all the difference in keeping your team safe and your business running.
Here are six key steps to help your business prepare.
### **1. Review Your Business Insurance Coverage**
Commercial property and business interruption insurance are essential during hurricane season. Take time to check your policy for:
- **Windstorm and hurricane coverage** – Does it include buildings, signage, and equipment?
- **Business interruption insurance** – Will it cover lost income and expenses if you can’t operate?
- **Flood insurance** – Most commercial policies don’t include flood coverage, even though Florida businesses are especially vulnerable.
Not sure if you’re covered? Our [advisors at Mulling Insurance](https://mullinginsurance.com/our-team/) are here to help you understand your options and make sure your policies match your risk.
### **2. Back Up Critical Data and Records**
Your data is just as important as your building. Protect it by:
- Backing up files to secure cloud storage.
- Using surge protectors and elevating servers off the floor.
- Keeping employee and vendor contact info easily accessible if remote communication is needed.
### **3. Prepare Your Property**
Even small steps can help prevent big damage. Be sure to:
- Secure outdoor signage, equipment, and furniture.
- Test and service backup generators.
- Protect windows and doors with shutters or impact-resistant film.
### **4. Prioritize Employee Safety and Communication**
Clear communication keeps your team safe. Create a plan that includes:
- Emergency contact trees and remote work procedures.
- Evacuation routes and safe meeting points.
- Policies for pay, leave, and returning to work after a storm.
### **5. Build a Business Continuity Plan**
If your office is shut down, how will you continue to serve your customers?
- Can services shift to remote or alternate locations?
- Do you have supplier backups in place?
- Is temporary relocation part of your plan?
A solid continuity plan keeps your business resilient no matter what the season brings.
### **6. Stock a Workplace Emergency Supply Kit**
If employees need to stay on-site during or after a storm, make sure you have:
- Non-perishable food and bottled water
- First aid supplies
- Flashlights, batteries, and a battery-powered radio
- Emergency contact and insurance info
### **Mulling Insurance is Here to Help**
Your business is the center of your employees’ livelihoods and your customers’ trust. Being prepared helps protect everything you’ve worked hard to build.
At Mulling Insurance, we’re proud to be a partner you can count on before, during, and after the storm. Reach out today to review your coverage or build a risk management plan that fits your needs.
---
*[](https://mullinginsurance.com/our-team/kevin-mulling/)**[Kevin Mulling, CIC](https://mullinginsurance.com/our-team/kevin-mulling/)* *| Vice President*
*As Vice President of Mulling Insurance, Kevin uses his decades of insurance industry experience and knowledge as a Certified Insurance Counselor (CIC) to help customers with their policies. He takes pride in leading his team and carrying forward the family business's strong commitment to community and family values.*
### Recent Posts
- [Is Your Business Actually Protected? Let's Talk Commercial Insurance.](https://blog.mullinginsurance.com/is-your-business-actually-protected-lets-talk-commercial-insurance)
- [Storm Season in Florida: 7 Things People Forget to Prepare For](https://blog.mullinginsurance.com/storm-season-in-florida-7-things-people-forget-to-prepare-for)
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