Commercial Supplemental Hurricane Insurance for Florida’s Small Businesses

Our hurricane insurance can help fill gaps that traditional P&C policies leave behind, such as flood damage due to storm surge or non-damage business interruption. A claim payment from your Vortex Hurricane Insurance Policy can help you quickly do what needs to be done during the aftermath of a hurricane. You can make repairs, replace ruined inventory, make up for lost revenue during a shutdown, meet payroll for your staff—the list goes on.

Plus, it’s faster. The claim adjustment process for some insurance companies can be complicated and take months. With us, there are no adjusters, and no proof of loss needed.

The policies available cover a 30-mi radius single circle, or two circles (one 30-mi radius and one 60-mi radius) around your physical business address. If the recorded storm path of any category hurricane crosses into a 30-mile radius circle or a Cat-3 or higher hurricane enters a 60-mile radius circle around your business according to data from the National Hurricane Center at the National Oceanic and Atmospheric Administration, your policy is triggered.

Final calculation of payment is based on the intensity of the hurricane as it passes through or enters the coverage circle. The recorded storm track and intensity must be qualified (defined by the National Hurricane Center) and intersect the single or double radius (whichever policy option is selected) for payment to occur. As the storm intensity increases and intersects the policy radius, claim payments are determined depending upon the corresponding payment schedules for a single or double radius policy. If the hurricane category increases while it’s in your defined radius, your policy will pay out according to the highest category.

No. They might overlap, but it’s not a replacement because our product is only concerned about the track of the storm, not any damage from wind/hail, which is covered in those other traditional policies. Our payouts can be used however you wish, including repair of damage caused by wind, hail, flood, or any other damaging peril due to the storm.

Nope. If a triggering storm passes into your covered area during the policy period, you get paid. No proof, no adjusters, no questions. It’s that simple.