Authored by Sara Weathers
With climate change intensifying, law firms nationwide are increasingly challenged by hurricanes, floods, wildfires, and other extreme weather. For firms with physical offices in high-risk areas, it's essential to reassess: Is your property insurance adequately protecting you? Let’s ensure you’re prepared for whatever comes your way!
Hidden Gaps in Coverage
Many law firms assume their commercial property policies will cover any weather-related damage. But not all disasters are treated equally. For example:
- Floods are often excluded from standard policies and require separate coverage.
- Business interruption coverage may not extend to climate-related utility outages or access issues.
- Outdated office space and equipment valuations can leave you underinsured after a major loss.
Without the right coverage, a natural disaster could leave your firm facing property damage, extended downtime, lost revenue, and potential liability.
Disaster Recovery Planning
Insurance is only one part of the solution. High-performing firms pair coverage with disaster recovery planning, which includes:
- Backup systems for critical files and communications
- A remote work plan in case the office becomes inaccessible
- Updated emergency contact lists and response protocols
- Regular reviews of insurance policies and risk exposure
Climate-related events are no longer rare—they’re the new reality. Now is the time for law firm leaders to re-evaluate their property insurance, understand coverage limitations, and prepare for the unexpected because protecting your office means protecting your practice, your people, and your clients.
Have questions about your firm’s insurance policies? Contact our AdvoCap Insurance team!
