Natural Disaster Insurance
Guardian Insurance Agency
Nature hits hard.
Floods rise. Fires run. Wind tears roofs.
There’s no warning you can count on.
Guard your business before the storm.
What this coverage does
Natural disaster insurance helps pay to repair or replace damaged property and keep cash flowing while you rebuild. It pairs property protection with business income and extra expense—so you can reopen faster.
Common protections to stack:
- Property: Building, tenant improvements, equipment, inventory.
- Business Income & Extra Expense: Replace lost revenue; fund temporary moves.
- Debris Removal & Ordinance or Law: Clear the site; meet new codes.
- Utility Service Interruption / Off‑Premises Power: When the grid fails you.
- Ingress/Egress & Civil Authority: When roads close or officials block access.
Note: Some perils are separate policies or endorsements:
- Flood (often excluded in standard property)—write NFIP or private flood.
- Earthquake (separate form; high deductibles).
- Named storm / wind & hail (coastal or high‑risk markets).
- Sewer/Drain Backup (specific endorsement).
Why your regular policy may not be enough
Standard policies often carry high deductibles, sublimits, or exclusions for natural catastrophes. Gaps show up in flood, earthquake, and utility outages. We read the fine print, then add what’s missing.
Damage runs deeper than it looks
One inch of water can ruin floors, walls, stock—then mold creeps in.
Wildfire smoke can contaminate inventory as much as flame.
If the area is hit hard, contractors and materials get scarce. Prices rise.
The longer you wait, the bigger the bill. Coverage speeds the fix.
Do you need it?
Risk rides with location and construction:
- Near rivers, canyons, coastlines, or fault lines.
- Wildland–urban interface (brush, wind, heat).
- Older roofs, weak anchors, no sprinklers. If any of that sounds like you, you likely do.
Smart add‑ons
- Equipment Breakdown (power surge, mechanical/electrical failure).
- Spoilage (food, pharma, temperature‑sensitive goods).
- Contingent Business Income (key supplier or customer goes down).
- Seasonal/Peak Inventory increases.
- Portable/Off‑Premises Property and Property in Transit.
Small lines on paper. Big help after the storm.
What sets the price
Your address and local hazards.
Building age and construction.
Limits, deductibles, and sublimits (especially for CAT perils).
Claims history and risk controls (alarms, sprinklers, backup power).
We balance cost with real protection.
The Guardian way
We map your sites and hazards.
We measure your downtime risk.
We size the limits. We fix the gaps.
Then we stand watch when the sky turns.
Guardian Insurance Agency — Proper protection—prior to peril.
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