{"id":3593,"date":"2016-09-13T10:00:36","date_gmt":"2016-09-13T14:00:36","guid":{"rendered":"https:\/\/www.insureyourcompany.com\/?p=3593"},"modified":"2016-09-13T10:00:36","modified_gmt":"2016-09-13T14:00:36","slug":"how-to-protect-your-nj-business-hurricane-insurance","status":"publish","type":"post","link":"https:\/\/insureyourcompany.com\/blog\/how-to-protect-your-nj-business-hurricane-insurance\/","title":{"rendered":"How To Protect Your NJ Business With Hurricane Insurance"},"content":{"rendered":"

When it comes to hurricanes, some people may not consider New Jersey a major risk area.<\/p>\n

But that is actually far from the truth.<\/p>\n

In fact, the state of New Jersey is four on the list of states that have the most potential for hurricane damage<\/a>. So when asking the question, “Do I need\u00a0hurricane insurance for my small business?” the answer is a resounding yes<\/em>.<\/p>\n

Being located on the eastern seaboard, New Jersey is a state that is extremely vulnerable to devastating storms. Hurricane Irene in 2011 and Hurricanes Ivan and Jeanne in 2004 were major storms that caused a lot of damage across the state. Perhaps the most notable example was Hurricane Sandy in 2012, which cost New Jersey businesses nearly $8.3 billion in damages<\/a>.<\/p>\n

So where does that leave you, a New Jersey small business owner, when it comes to preparing for hurricane season?<\/p>\n

What You Need To Know About Hurricane Insurance<\/strong><\/h2>\n

Hurricane insurance covers a lot of variables, but it is important to be aware of a few things when considering your options. For instance, flood insurance is usually separate and just a hurricane insurance policy alone will not typically cover your business in case of a flood.<\/p>\n

A separate flood insurance policy<\/a> will help protect you against flood damage, while a hurricane insurance policy protects against wind damage and\/or subsequent damage caused by accompanying rain from above. Flooding caused by rain or storm surge flooding or water damage caused by an overflowing river or similar body of water is what is traditionally covered by flood insurance.<\/p>\n

Bear in mind that flood insurance does not begin to cover the business until after a 30-day waiting period, so it is integral to plan in advance and not wait until a storm is eminent.<\/p>\n

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