From the High Five to the Mixmaster—Dallas-Proof CoverageSoma Insurance
Deals move through networks that stretch from chamber breakfasts in downtown and North Dallas lunches at Preston Center to church ties and alumni groups...
Recent Dallas Business Incidents
Real incidents from 2024-2025 that cost Dallas businesses millions.
EF-1 tornado in Irving rips roofs, knocks power across Dallas Co.
Before sunrise on Mar. 4, an EF-1 tornado tracked through Irving near W...
Overnight tornadoes west of Dallas snarl I-20/I-30 supply runs
Late Apr. 19 into the early hours of Apr...
EF-1 tornado in Irving rips roofs, knocks power across Dallas Co.
Before sunrise on Mar. 4, an EF-1 tornado tracked through Irving near W...
Overnight tornadoes west of Dallas snarl I-20/I-30 supply runs
Late Apr. 19 into the early hours of Apr...
Don't Learn These Lessons the Hard Way
Get coverage that actually covers Dallas's real risks.
Dallas's Year-Round Risks
What your business faces each season and the coverage that actually protects you.
Spring: Storm Season
March - May
Hail and supercells ride in from the west—watch the low crossings on Stemmons and the Trinity levee roads. Pop-up twisters west of the city can still stall Dallas docks by morning. Keep roof tarps and vendor lists current.
Must Have:
Property coverage with storm damage protection
Must Have:
Equipment breakdown + business interruption
Summer: Heat + Storms
June - August
Triple-digit heat strains HVAC and line crews; ERCOT conservation appeals are common. Afternoon storms pulse with outflow winds that topple limbs and take out feeders—spoilage and surge protection matter.
Fall: Severe Weather
September - November
Secondary storm season brings big outflows and soaking rains. Stadium and fair traffic around Fair Park gridlocks I-30; schedule deliveries early and stage extra labor for weather turns.
Must Have:
Comprehensive property + business interruption
Must Have:
Property coverage including freeze damage
Winter: Cold Weather
December - February
Blue Northers drive freeze-ups and occasional ice glaze. Unheated or vacant suites pop sprinkler lines; alley aprons and loading ramps become slip hazards. Add sensors, keep heat on, and document checks.
Dallas Industries We Cover
Specialized coverage for the businesses that power Dallas.
Logistics & Warehousing
Distribution hubs along I-20, I-45 and in West Dallas feed the Metroplex with same-day lanes into Austin, Houston and OKC. Airport-adjacent forwarders handle high-value freight and time-critical parts.
Healthcare & Life Sciences
UT Southwestern, Parkland and Baylor create dense clusters of clinics, labs and medical offices across the Medical District and North Dallas, with strong vendor ecosystems.
Restaurants, Bars & Nightlife
From Deep Ellum venues to Bishop Arts patios and Uptown rooftops, food and beverage anchors Dallas evenings and convention traffic. Weather swings and power blips are constant threats.
Construction & Trades
With major corridor work, new office/hospitality builds, and TI projects, GC and subtrades stay busy from downtown south to Oak Cliff and north beyond I-635.
Professional & Tech (HQs/Telecom)
Dallas' HQ and telecom presence pulls in agencies, MSPs and professional services clustered in Uptown, Preston Center and Far North Dallas.
Logistics & Warehousing
Distribution hubs along I-20, I-45 and in West Dallas feed the Metroplex with same-day lanes into Austin, Houston and OKC. Airport-adjacent forwarders handle high-value freight and time-critical parts.
Healthcare & Life Sciences
UT Southwestern, Parkland and Baylor create dense clusters of clinics, labs and medical offices across the Medical District and North Dallas, with strong vendor ecosystems.
What Dallas Businesses Must Know
Local Risk Insights
- •The High Five stacks (US-75/I-635) can add 20+ minutes in any rain...
- •Lower points under Stemmons and the I-30 canyon collect water fast; set geofences to auto-reroute drivers...
- •Levee-side lots near Riverfront Blvd...
Business Operations
- •Landlords often require specific COI wording (primary/non-contributory, waiver of subrogation)...
- •Keep roof and HVAC maintenance logs...
- •Use temp-monitoring with exportable logs for all cold storage; adjusters ask for data on claim day...
Why Dallas Businesses Trust Us
We're not just insurance agents – we're Dallas business protection experts.
Local Dallas Expertise
We know Dallas's unique risks and business environment. Local knowledge that matters.
Rapid Response
Fast quotes, quick claims support. When Dallas businesses need coverage, we're here.
Proven Protection
Coverage that actually pays claims. No hidden exclusions, just real protection.
Transparent Pricing
No hidden fees, no surprises. Clear pricing and honest guidance you can trust.
Always Responsive
Questions about coverage? Claims support? We're here when Dallas businesses need us.
Satisfaction Guaranteed
Your success is our priority. We stand behind our coverage recommendations 100%.
Common Questions
Does my policy cover spoilage if storms cut power but my building isn’t damaged?
Only if you have Spoilage or Utility Service Interruption. Standard property typically requires physical loss at your premises. Add off-premises power coverage for DFW storms and keep temp logs for proof.
We’re in West Dallas near the levees. Is flood covered?
Not on standard property. You need a Flood endorsement or separate policy. Consider sewer backup sublimits too, as SSOs have occurred after heavy rain.
How do Deep Ellum weekend street closures affect my liability?
They shift crowd flow to sidewalks and alleys—review premises security and assault & battery buybacks. Ensure additional-insured certificates for landlords and promoters.
Will civil authority help during airport ground delays?
Usually no. Civil authority requires an order prohibiting access to your premises due to nearby physical damage. Airport delays alone won’t trigger BI.
We run reefer vans—what’s the must-have coverage here?
Motor Truck Cargo with temperature deviation/reefer breakdown, plus GPS/temperature telemetry. Pair with BI dependent property if a single shipper accounts for big revenue.
Does my policy cover spoilage if storms cut power but my building isn’t damaged?
Only if you have Spoilage or Utility Service Interruption. Standard property typically requires physical loss at your premises. Add off-premises power coverage for DFW storms and keep temp logs for proof.
We’re in West Dallas near the levees. Is flood covered?
Not on standard property. You need a Flood endorsement or separate policy. Consider sewer backup sublimits too, as SSOs have occurred after heavy rain.
How do Deep Ellum weekend street closures affect my liability?
They shift crowd flow to sidewalks and alleys—review premises security and assault & battery buybacks. Ensure additional-insured certificates for landlords and promoters.
Beat Hail Alley: Keep Doors Open When Storms HitThat Actually Works
Storm-ready endorsements (spoilage, service interruption, water backup)Join thousands of Dallas businesses already protected.
Join the thousands of Dallas businesses who chose protection over hope.