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Tornadoes damage St. Louis businesses

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Several storms in the St. Louis area caused damage to homes and businesses, according to St. Louis Today. The storms occurred June 7, and there were two confirmed tornadoes that carried on into the evening.

The National Weather Service reported that several highways were damaged, along with a fast food restaurant, fitness center and an apartment complex. Luckily no one was seriously injured.

The storms came so quickly that some residents were not sure what to do. Resident Sheryl Prange was at a party when the storms touched down and a tree fell onto the roof of the residence she was at.

“We had to have a crane remove the larger portion of the tree that weighed over 3,500 pounds,” Prange told St Louis Today. “We are very fortunate that we didn’t have more damage.”

Brad Bryan, vice president of Club Fitness, said the storm pulled off part of the building’s awning and bricks flew into the air. Bryan told St. Louis Today that no one was injured and there was no visible damage inside the gym. Numerous downed trees were reported, but there seems to be no serious injuries that occurred during the storm.

As storms and tornadoes roll through an area, they can cause damage to homes and businesses in the area. Some of these damages can be serious and may require major repairs. When this occurs, homeowners and businesses may need to pay for everything out of pocket. For shop? owners, this could be difficult, especially when their businesses are  shut down.

To prepare for this possible financial strain, business owners can sign up for small business insurance. This coverage will be able to legally and financially cover a shop owner in case of storm damage.

 

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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