From PCH Slides to Port Surges—L.A.-Proof InsuranceSoma Insurance
L...
Recent Los Angeles Business Incidents
Real incidents from 2024-2025 that cost Los Angeles businesses millions.
Recurring port power surges trigger terminal resets and short outages
Across August 2024, terminals at the Port of Los Angeles reported intermittent power blips and surges that forced equipment reboots and brief work stoppages. Operators along Pier A–F and Terminal Island described crane PLCs and yard chargers dropping offline and requiring staged restarts...
Palisades Fire triggers evacuations from Pacific Palisades into Topanga
Beginning Jan. 7, 2025, the Palisades Fire burned through the Santa Monica Mountains above Pacific Palisades, pushing evacuation orders into canyon neighborhoods and constricting access along Palisades Dr...
Recurring port power surges trigger terminal resets and short outages
Across August 2024, terminals at the Port of Los Angeles reported intermittent power blips and surges that forced equipment reboots and brief work stoppages. Operators along Pier A–F and Terminal Island described crane PLCs and yard chargers dropping offline and requiring staged restarts...
Palisades Fire triggers evacuations from Pacific Palisades into Topanga
Beginning Jan. 7, 2025, the Palisades Fire burned through the Santa Monica Mountains above Pacific Palisades, pushing evacuation orders into canyon neighborhoods and constricting access along Palisades Dr...
Don't Learn These Lessons the Hard Way
Get coverage that actually covers Los Angeles's real risks.
Los Angeles's Year-Round Risks
What your business faces each season and the coverage that actually protects you.
Spring: Storm Season
March - May
Late storms can still throw slides on canyon roads and soak basements along older corridors. Studios keep rain covers handy and move exterior days to back half of schedules.
Must Have:
Property coverage with storm damage protection
Must Have:
Equipment breakdown + business interruption
Summer: Heat + Storms
June - August
Heat and wildfire smoke test HVAC and crew stamina. Power conservation windows push kitchens and cold-chain to off-peak operations; venues add misting and shade to keep patrons comfortable.
Fall: Severe Weather
September - November
Santa Ana winds bring red-flag days; embers and power blips are common. Outdoor dining and events pivot fast—table umbrellas become kites and rooftops go on watch.
Must Have:
Comprehensive property + business interruption
Must Have:
Property coverage including freeze damage
Winter: Cold Weather
December - February
Atmospheric rivers hammer hillsides and low crossings—PCH, canyons and underpasses close, and stormwater backs up alleys. Landlords and tenants should verify water-backup endorsements and sandbag plans.
Los Angeles Industries We Cover
Specialized coverage for the businesses that power Los Angeles.
Entertainment & Production
From Culver City to Burbank, production ramps and goes dark in bursts. Weather holds, street closures, and labor calendars shape call sheets and gear movement.
Ports, Logistics & Cold Chain
LA/LB is the gateway. Terminal electrification, labor calendars, and canyon/PCH closures drive reroutes and detention risk for SMEs and forwarders.
Restaurants & Specialty Food
Neighborhood dining and pop-ups thrive from Koreatown to Silver Lake; storms and heat test cold storage and power quality in older spaces.
Healthcare & Bioscience
Corridors in Westwood, DTLA and Pasadena support clinics, labs and imaging. Downtime and data risk outweigh most other exposures.
Construction & Trades
TI build-outs, hillside remediation, and multifamily infill keep crews busy. Weather, theft, and traffic control dominate risk conversations.
Retail & Hospitality (Beach/Visitor Corridors)
From Santa Monica to Hollywood and DTLA, visitor cycles swing with weather and events. Power quality and access control matter as much as rent.
Entertainment & Production
From Culver City to Burbank, production ramps and goes dark in bursts. Weather holds, street closures, and labor calendars shape call sheets and gear movement.
Ports, Logistics & Cold Chain
LA/LB is the gateway. Terminal electrification, labor calendars, and canyon/PCH closures drive reroutes and detention risk for SMEs and forwarders.
What Los Angeles Businesses Must Know
Local Risk Insights
- •If PCH pinches near Will Rogers, route inland via the 10/101; slides take hours, not minutes, to clear...
- •Alameda Corridor queues spill onto Harry Bridges at shift change...
- •Sepulveda Pass + drizzle = missed call times; plan crew parking east of the hill on marginal days...
Business Operations
- •Studios and venues expect COIs with AI/primary & non-contributory...
- •Exporters: build in a buffer around ILWU meetings/terminal advisories to avoid rolled bookings...
- •Install surge protection and temp loggers...
Why Los Angeles Businesses Trust Us
We're not just insurance agents – we're Los Angeles business protection experts.
Local Los Angeles Expertise
We know Los Angeles's unique risks and business environment. Local knowledge that matters.
Rapid Response
Fast quotes, quick claims support. When Los Angeles 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 Los Angeles businesses need us.
Satisfaction Guaranteed
Your success is our priority. We stand behind our coverage recommendations 100%.
Common Questions
Are mudslides covered if our shop sits below a hillside?
Earth movement is usually excluded. Coverage can apply if wind-driven rain or a storm-created opening causes damage. Consider flood/earth movement options where available and verify water/sewer backup for low areas.
We rely on PCH access. Does civil authority cover closures?
Only if an order prohibits access to your described premises due to nearby physical damage, and within stated distance/time limits. Traffic delays alone don’t trigger BI—consider dependent property for key routes/sites.
Do power surges at the port or in the Valley trigger coverage?
Equipment Breakdown can respond when voltage events damage compressors or chargers. Spoilage responds to temperature excursions tied to a covered cause. BI generally needs covered physical loss.
What should restaurants do during heat waves to protect claims?
Maintain temp logs, service records and have surge protection. Many carriers require proof for spoilage or EB claims. Consider utility-service interruption for grid events.
Does cargo insurance cover rolled bookings after terminal closures?
Cargo policies won’t cover delay alone. They may cover reefer breakdown or physical loss. For revenue hits, look at contingent BI tied to specified terminals or suppliers.
Are mudslides covered if our shop sits below a hillside?
Earth movement is usually excluded. Coverage can apply if wind-driven rain or a storm-created opening causes damage. Consider flood/earth movement options where available and verify water/sewer backup for low areas.
We rely on PCH access. Does civil authority cover closures?
Only if an order prohibits access to your described premises due to nearby physical damage, and within stated distance/time limits. Traffic delays alone don’t trigger BI—consider dependent property for key routes/sites.
Do power surges at the port or in the Valley trigger coverage?
Equipment Breakdown can respond when voltage events damage compressors or chargers. Spoilage responds to temperature excursions tied to a covered cause. BI generally needs covered physical loss.
Heat, Hillsides, and Hold Lines: Coverage That Keeps You MovingThat Actually Works
Spoilage + Equipment Breakdown tuned to heat and grid realitiesJoin thousands of Los Angeles businesses already protected.
Join the thousands of Los Angeles businesses who chose protection over hope.