A recent surge in summer thunderstorms is raising concerns for small business owners, who may face significant disruptions from these seemingly less dramatic weather events. On June 14, 2025, a series of severe storms swept across the Northeast, causing widespread damage by uprooting trees and bringing down power lines. Thousands were left without electricity, highlighting the need for businesses to prepare for unpredictable weather.
Sean Briscoe, Vice President of loss control at Pennsylvania Lumbermens Mutual Insurance Company, warns that these storms are becoming more common in areas not typically associated with severe weather. "We’re seeing more inland hurricanes," he noted, emphasizing the importance of proactive measures. Business owners should assess their properties, not just during storms, but on clear days as well.
One major issue is the misconception that standard commercial property insurance covers flood damage. Briscoe pointed out that many business owners believe they are safe from flooding simply because they are not near the ocean. However, heavy rainfall can lead to flooding from even small creeks. This misunderstanding can be costly, as businesses may face losses not only from structural damage but also from ruined inventory and lost revenue.
Briscoe advises agents to help clients carefully review their insurance policies. Key points to consider include ensuring adequate building limits, business income coverage, and personal property coverage. He highlighted that post-COVID changes in housing and construction markets have led to fluctuating material costs, making it essential for business owners to reassess their coverage regularly.
As weather patterns shift, certain regions may become more vulnerable to unusual weather events. For example, buildings in the Carolinas may not be designed to handle heavy snow loads, increasing the risk of structural failures during unexpected winter storms. Briscoe recommends regular property inspections to identify potential vulnerabilities, such as clogged gutters or overgrown vegetation that can hide damage.
Technology is emerging as a valuable tool for risk prevention. Affordable sensors can monitor changes in temperature and water levels, providing alerts to business owners. These tools are especially helpful for businesses that may not have staff on-site during off-hours. With early warnings, owners can take steps to protect their equipment and inventory.
Briscoe encourages agents to strengthen their relationships with clients by being proactive. He suggests that business owners conduct annual property surveys to identify drainage issues and assess their surroundings for potential risks. Awareness of these factors can make a significant difference in preventing losses.
Overall, as summer storms become more frequent and severe, small business owners must take steps to protect their properties and ensure they have the right insurance coverage. Regular maintenance and proactive planning can help mitigate the impact of these unpredictable weather events.