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 and impacting countless livelihoods. While NOAA is predicting 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:
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Windstorm and hurricane coverage – Does it include buildings, signage, and equipment?
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Business interruption insurance – Will it cover lost income and expenses if you can’t operate?
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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 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:
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Backing up files to secure cloud storage.
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Using surge protectors and elevating servers off the floor.
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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:
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Secure outdoor signage, equipment, and furniture.
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Test and service backup generators.
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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:
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Emergency contact trees and remote work procedures.
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Evacuation routes and safe meeting points.
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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?
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Can services shift to remote or alternate locations?
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Do you have supplier backups in place?
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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:
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Non-perishable food and bottled water
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First aid supplies
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Flashlights, batteries, and a battery-powered radio
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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.
Kevin Mulling, CIC| 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.