Your Business Might Survive the Storm—But What About Theirs?

Most businesses know the drill when hurricane season rolls in.

Check the building.
Test the backup systems.
Review the emergency plan.
Make sure everyone’s on the same page.

It’s familiar by now.

But I’ve seen this play out more times than I can count:

Everything on your end is fine…
but someone else in your operation isn’t.

And suddenly, you’re stuck.

The risk isn’t always your roof—it’s your relationships.

Your supplier loses power.
Your warehouse partner floods.
Your distributor goes dark.

No damage to your property.
No storm surge through your doors.
But still—your business can’t move forward.

You can’t deliver.
You can’t fulfill.
You can’t generate revenue.

And here’s the part most people don’t find out until it’s too late:

There’s no coverage for that.

Enter: Contingent Business Interruption (CBI)

CBI is a type of coverage that protects you when a third party your business relies on suffers physical damage that affects your income.

But here’s the thing:

• It’s not standard in most policies

• It often has to be specifically added

• And it may only apply to named suppliers or locations

• Even then, it might come with strict triggers or sublimits

In short: most businesses don’t have it, or don’t have enough of it.

What to do before the next storm gets named:

• Make a list of critical partners.
  If they go offline, does your operation slow down—or stop?

• Check where they’re located.
  Are they in storm zones or flood-prone areas?

• Review your policy.
  Look for CBI coverage—or gaps. If you want a second pair of eyes, I’ll take a look. No pitch, just a walkthrough.

You might have every detail buttoned up on your end.
But if the people you rely on aren’t ready—and your policy isn’t built to account for that—
you’re still exposed.

Your business might survive the storm.
But what about theirs?