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Sometimes, more than a standard commercial insurance policy isn’t needed to protect your business entirely. One of Florida’s most unique and alluring features is its constant proximity to the ocean. Whether you’re in Tampa, Orlando, Miami, or the Keys, the sea shapes our lifestyle, the clothes we wear, the food we eat, and even job opportunities. With 1,350 miles of coastline, Florida stands as the most ocean-exposed state in the U.S, offering a lifestyle and business environment unlike any other.
This unique feature is a significant draw for builders, architects, tourism operators, hotel owners, and restaurant managers, offering a wealth of opportunities for growth and success. However, the proximity to the Atlantic and the Gulf of Mexico also brings a severe risk: hurricanes and storm surges that can devastate everything in their path, as we’ve seen recently in central Florida.
The images are unmistakable—thousands of businesses in tourist and coastal areas were left underwater. For instance, the iconic beachfront restaurant in Miami, the boutique hotel in the Keys, and the popular theme park in Orlando. Restaurants, offices, schools, workshops, warehouses, shops, gas stations, and malls—many now have to start over, some from scratch.
The harsh reality is that at least 25% of businesses that shut down after catastrophic events, like floods, never reopen. This statistic becomes even more alarming for businesses without flood insurance. The potential loss of your business is a stark reality. It’s important to understand that standard commercial insurance doesn’t include flood coverage.
Hurricanes or storm surges don’t just cause floods; the most common in Florida is the result of heavy rainstorms, typical of our subtropical and humid climate.
If you own a business and haven’t yet considered flood insurance, now’s the time to do it. Remember, standard commercial insurance won’t cover the damage caused by the floods that are so common throughout Florida. Contact 51³Ô¹ÏºÚÁÏÍø to enhance your commercial insurance coverage and take a proactive step to protect your business. Sometimes, more than a standard commercial insurance policy isn’t needed to protect your business entirely.

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