Understanding the Risks in New England
While Massachusetts, Vermont and the rest of New England may not face hurricanes and tornadoes as often as other parts of the country (although they are not unheard of), we’re no strangers to Nor’easters, snowstorms, flooding and wind damage.
The impact of these events can be severe, disrupting operations and causing expensive property damage. Commercial property insurance helps ensure that when the unexpected happens, your business isn’t left footing the entire bill.
What Commercial Property Insurance Covers
Commercial property insurance typically covers the physical assets of your business, including your building, equipment, inventory and furnishings. In the event of a covered disaster—such as a fire, windstorm or even water damage from burst pipes—this insurance helps pay for repairs or replacement.
However, not all natural disasters are automatically covered. For instance, flood insurance is generally purchased separately through the National Flood Insurance Program (NFIP) or private insurers. It’s important to understand what your policy includes and where you might need additional protection.
Tailoring Coverage to Your Business Needs
Every business is different. A retail store in a low-lying coastal town faces different risks than a manufacturing facility in the Berkshires. That’s why it’s critical to work with an experienced insurance advisor who understands the specific threats in your area and your industry.
At The Dowd Agencies, we specialize in helping businesses across New England assess their exposures and design customized insurance solutions. Whether you own a single commercial building or manage a portfolio of properties, we can help ensure your coverage keeps pace with changing risks.
Steps to Take Today
Protecting your business from natural disasters starts with a thorough risk assessment and a comprehensive insurance strategy. Don’t wait until after a storm hits to find out you’re underinsured. Talk to an expert at The Dowd Agencies to review your current coverage or get a new quote tailored to your needs.
We’re here to help you protect what you’ve built—today and for the future.