Beat King Tide. Win on Brickell.Soma Insurance
Deals move at the pace of the causeways: fast until a bridge goes up...
Recent Miami Business Incidents
Real incidents from 2024-2025 that cost Miami businesses millions.
Miami Beach spring break clampdown reshapes weekends
On back-to-back weekends, March 14–16 and 21–23, Miami Beach imposed its toughest spring break rules to date. Ocean Drive restaurants south of 15th Street had to pull sidewalk seating; non-resident parking rates shot up to as much as $100; and license-plate readers screened inbound traffic on the MacArthur Causeway...
King Tides flood low-lying streets from Brickell to SoFi
Autumn’s highest tides returned the week of Nov. 13–18, pushing saltwater up through drains on Brickell Bay Drive near SE 12th Street and pooling along South of Fifth and West Avenue in Miami Beach...
Miami Beach spring break clampdown reshapes weekends
On back-to-back weekends, March 14–16 and 21–23, Miami Beach imposed its toughest spring break rules to date. Ocean Drive restaurants south of 15th Street had to pull sidewalk seating; non-resident parking rates shot up to as much as $100; and license-plate readers screened inbound traffic on the MacArthur Causeway...
King Tides flood low-lying streets from Brickell to SoFi
Autumn’s highest tides returned the week of Nov. 13–18, pushing saltwater up through drains on Brickell Bay Drive near SE 12th Street and pooling along South of Fifth and West Avenue in Miami Beach...
Don't Learn These Lessons the Hard Way
Get coverage that actually covers Miami's real risks.
Miami's Year-Round Risks
What your business faces each season and the coverage that actually protects you.
Spring: Storm Season
March - May
Humidity ramps and storm cells pop late afternoons. Outdoor venues in Wynwood and the Grove watch radar and tents; lightning delays hit riverside events. King Tide previews can start by May on new/full moons, so ground-floor shops keep flood boards handy.
Must Have:
Property coverage with storm damage protection
Must Have:
Equipment breakdown + business interruption
Summer: Heat + Storms
June - August
Peak heat and daily storms. Expect short power blips, water intrusion at street-level in Brickell/Edgewater, and slick causeways. Contractors shift to sunrise starts; restaurants trim patio hours. Hurricane prep: fuel, generators, roof checks, and COI updates with landlords.
Fall: Severe Weather
September - November
Hurricane peak meets king tides. South of Fifth, West Avenue, and parts of Brickell Bay Drive can flood on clear days. Port ops face wind watches; Downtown events build rain contingencies during Basel-prep installs.
Must Have:
Comprehensive property + business interruption
Must Have:
Property coverage including freeze damage
Winter: Cold Weather
December - February
Fronts bring bursts of rain and wind, but it’s ‘high season’ for visitors. Outdoor dining hums; lower humidity reduces HVAC stress. Boutique risks: theft from holiday crowds, vendor COIs for pop-ups, and traffic surges for Heat games and festivals.
Miami Industries We Cover
Specialized coverage for the businesses that power Miami.
Tourism, Hospitality & Nightlife
South Beach and Downtown fill with Basel, Ultra, cruise pre/post stays, and year-round conventions. Venues pivot from patio to indoor when heat and king tides strike. Staffing and liquor risk spike on event weekends; hotels manage windstorm deductibles and BI across busy shoulder seasons.
Port, Cruise & Logistics
PortMiami’s cargo yards and record cruise volumes drive provisioning, bonded warehouses, shuttle operators, and caterers from Doral to the River. MSC’s Terminal AA increased same-day throughput, amplifying vendor coordination and equipment uptime needs.
Finance, Tech & Professional Services
Brickell’s towers and MiamiCentral-adjacent offices host banks, fintechs, and LATAM HQs. Power quality and connectivity are mission-critical as summer storms and heat strain infrastructure. Client events sync to major cultural weeks.
Healthcare & Life Sciences
UHealth/Jackson campuses, clinics, and labs stretch from the Health District to Coral Gables affiliates. Cold-chain integrity, backup power, and hurricane plans are non-negotiable.
Construction & Real Estate Development
From Allapattah mid-rises to Brickell infill, cranes run year-round. Afternoon storms, heat advisories, and tight sites around causeways challenge schedules and safety.
Food & Beverage Production/Distribution
Airport West and Hialeah host cold storage, beverage distributors, and commissaries supplying hotels, ships, and events. Storms, heat, and traffic windows drive risk.
Tourism, Hospitality & Nightlife
South Beach and Downtown fill with Basel, Ultra, cruise pre/post stays, and year-round conventions. Venues pivot from patio to indoor when heat and king tides strike. Staffing and liquor risk spike on event weekends; hotels manage windstorm deductibles and BI across busy shoulder seasons.
Port, Cruise & Logistics
PortMiami’s cargo yards and record cruise volumes drive provisioning, bonded warehouses, shuttle operators, and caterers from Doral to the River. MSC’s Terminal AA increased same-day throughput, amplifying vendor coordination and equipment uptime needs.
What Miami Businesses Must Know
Local Risk Insights
- •Brickell Avenue Bridge lifts can gridlock the whole spine...
- •West Avenue and lower Alton Road catch king-tide splash...
- •Venetian Causeway closures for events push all Beach traffic to MacArthur/Julia Tuttle...
Business Operations
- •Many landlords require storm plans (shutters/generators) in the lease; keep documentation ready for COI requests...
- •Bilingual signage and claims support (Spanish/Haitian Creole) speeds inspections and payments...
- •Event weeks (Ultra/Basel) trigger special endorsements and higher GL limits at venues...
Why Miami Businesses Trust Us
We're not just insurance agents – we're Miami business protection experts.
Local Miami Expertise
We know Miami's unique risks and business environment. Local knowledge that matters.
Rapid Response
Fast quotes, quick claims support. When Miami 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 Miami businesses need us.
Satisfaction Guaranteed
Your success is our priority. We stand behind our coverage recommendations 100%.
Common Questions
Are king-tide floods at my Brickell or Miami Beach storefront covered under my property policy?
Street flooding is ‘flood’—a separate policy (NFIP or private) is needed for building/contents. Property forms generally exclude flood but may cover wind-driven rain if wind creates an opening. Consider door dams, pump plans, and moving stock above grade on peak tide days.
Do spring break curfews and parking restrictions trigger Business Income?
Not usually. Civil authority/time-element coverage typically requires a covered physical damage peril. Municipal crowd-control rules without physical loss won’t trigger BI. Event Cancellation or Special Event endorsements can help if you pre-sold packages tied to specific dates.
What deductible should I expect for hurricanes in Miami?
Most carriers use a percentage wind/named-storm deductible (e.g., 2–5% of insured value by location). Review how it applies (by building vs. location) and coordinate with your lender’s requirements.
We rely on cold storage—how do we insure spoilage from outages?
Pair Equipment Breakdown (with spoilage) and Utility Service Interruption (off-premises power) with defined waiting periods. For perishables moving to PortMiami, add Stock Throughput or Reefer Breakdown extensions.
Does flood insurance consider sea-level rise and king tide frequency?
Rates reflect FEMA mapping and risk models; private markets may price recurrent nuisance flooding differently and offer higher limits/shorter waiting periods than NFIP. Document mitigation (flood barriers, raised equipment) for credits.
Are king-tide floods at my Brickell or Miami Beach storefront covered under my property policy?
Street flooding is ‘flood’—a separate policy (NFIP or private) is needed for building/contents. Property forms generally exclude flood but may cover wind-driven rain if wind creates an opening. Consider door dams, pump plans, and moving stock above grade on peak tide days.
Do spring break curfews and parking restrictions trigger Business Income?
Not usually. Civil authority/time-element coverage typically requires a covered physical damage peril. Municipal crowd-control rules without physical loss won’t trigger BI. Event Cancellation or Special Event endorsements can help if you pre-sold packages tied to specific dates.
What deductible should I expect for hurricanes in Miami?
Most carriers use a percentage wind/named-storm deductible (e.g., 2–5% of insured value by location). Review how it applies (by building vs. location) and coordinate with your lender’s requirements.
From Causeway to Kaseya—Coverage Built for the 305That Actually Works
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