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South Dakota city picking up the pieces after tornado

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Storms in South Dakota produced dangerous tornadoes, which did a number on homes and businesses in the area. One town that suffered massive damage was Wessington Springs, South Dakota. According to Jerauld County State Attorney Dedrich Koch, per InForum?, the storms managed to damage 43 homes, 26 of which are now uninhabitable, and 12 businesses.

Koch said that those numbers may actually be higher, but the city is not fully sure of the extent of the damage yet. Melissa Mebius, mayor of Wessington Springs, said these storms have greatly affected the area.

“There are a lot more houses that no one is going to be able to live in for quite a while,” Mebius said. “It’s going to take our community pulling together, because there’s a lot of damage and we’re definitely going to have to come together.”

Three businesses were destroyed when the storms hit. Those stores included an auto repair shop, an American Legion building and a local bar. Koch said that even after the city moves large chunks of debris, it could be awhile before the clean up is completed.

“But then we’re going to be cleaning up little stuff for quite a while,” Koch said.

When a disaster like a tornado occurs, business owners and cities could be picking up the pieces for some time. This could take a massive amount of effort and money to complete. Shop owners that want to financially prepare themselves in case a situation like this occurs can sign up for small business insurance. This coverage can help fund needed repairs and reimburse losses for damaged merchandise.

 

General Liability Insurance

What Is General Liability Insurance? Commercial General Liability Insurance protects small-business owners from claims of injury, property damage, and negligence related to their business activities.

Workers’ Compensation

What Is Workers’ Compensation Insurance? Workers’ compensation insurance covers your employees’ medical expenses and at least some portion of their lost wages if they are injured on the job.

Business Owners Policy

What Is a Business Owners Policy? A BOP is simply bundled insurance designed to provide essential coverage to certain business owners at a competitive price. A BOP insurance coverage includes

Professional Liability Insurance

Professional liability insurance also called , errors and omissions insurance (E&O; insurance), protects you if a client claims that your services caused them to suffer a financial loss. While general liability insurance is primarily focused on property damage or bodily injury,

Disability Benefits Insurance

Employers in New York State are obligated to offer disability benefits insurance to their employees. This coverage is specifically designed to provide financial assistance in the event of off-the-job injuries or illnesses.



Business Umbrella Insurance

Without Business Umbrella Insurance (also sometimes called Umbrella Liability Insurance or Excess Liability Insurance ), you would have to pay the uncovered expenses out-of-pocket. Even if you carry General Liability Insurance for your business, without business umbrellainsurance you might face a repair, settlement, or judgment in excess of your coverage limit.

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