Lower Level Flooded? Your Coverage Shouldn’t Be.Soma Insurance
San Antonio is relationship-first and practical: texts beat emails, and a breakfast taco on Broadway can move a deal...
Recent San Antonio Business Incidents
Real incidents from 2024-2025 that cost San Antonio businesses millions.
Flash floods shut I-35 lower level downtown; rescues across city
On June 12, 2025, before the morning commute, thunderstorms dumped heavy rain over central San Antonio. The lower level of I-35 through downtown, from Main Ave...
Pre-Memorial Day storms knock out power for thousands citywide
In the pre-dawn hours of May 23, 2025, a line of storms rolled across Bexar County, bringing lightning, gusty winds, and brief downpours. CPS Energy’s outage map showed roughly 5,900 customers without power across 70+ separate outages by 7 a...
Flash floods shut I-35 lower level downtown; rescues across city
On June 12, 2025, before the morning commute, thunderstorms dumped heavy rain over central San Antonio. The lower level of I-35 through downtown, from Main Ave...
Pre-Memorial Day storms knock out power for thousands citywide
In the pre-dawn hours of May 23, 2025, a line of storms rolled across Bexar County, bringing lightning, gusty winds, and brief downpours. CPS Energy’s outage map showed roughly 5,900 customers without power across 70+ separate outages by 7 a...
Don't Learn These Lessons the Hard Way
Get coverage that actually covers San Antonio's real risks.
San Antonio's Year-Round Risks
What your business faces each season and the coverage that actually protects you.
Spring: Storm Season
March - May
Hail and fast-moving cells arrive with cold fronts. Older roofs and rooftop units get tested; I-35 low points can pond in minutes. Plan patio closures and protect electronics with surge suppression.
Must Have:
Property coverage with storm damage protection
Must Have:
Equipment breakdown + business interruption
Summer: Heat + Storms
June - August
Extreme heat and evening pop-up storms define operations. Expect conservation appeals, brownouts in pockets, and microbursts that shred awnings. Split shifts and backup cooling keep kitchens and clinics online.
Fall: Severe Weather
September - November
Quieter weather but heavy weekends—football, festivals, and conventions. Keep an eye on first big fronts that trigger brief deluges; refresh water-backup plans for low suites.
Must Have:
Comprehensive property + business interruption
Must Have:
Property coverage including freeze damage
Winter: Cold Weather
December - February
Occasional hard freezes arrive with ice on bridges and burst-pipe risk in older buildings. Maintain heat in vacant spaces, insulate lines, and stage leak sensors; outages in cold rain can linger in tree-lined neighborhoods.
San Antonio Industries We Cover
Specialized coverage for the businesses that power San Antonio.
Defense, Aerospace & Tech (Port San Antonio)
Port SA anchors MRO, cyber, and advanced manufacturing with Boeing, integrators, and start-ups. Campus expansion aims to double jobs and add Innovation Tower, hotel, and retail—driving vendor demand for certified contractors and secure facilities.
Automotive & Advanced Manufacturing (South Side)
Toyota’s 2,000-acre campus and supplier network underpin South Side jobs; new axle production and supplier plants signal continued growth and logistics throughput along I-37 and Loop 410.
Hospitality, Events & River Walk Retail
Tourism and conventions keep River Walk patios, Market Square, and downtown hotels busy; weather and construction closures change foot-traffic patterns overnight.
Healthcare & Life Sciences
The Medical Center on Floyd Curl and clinics along Broadway/281 depend on continuous power, cold chain, and data security; weather-related disruptions ripple through schedules.
Logistics, Cold Chain & Wholesale
I-10/I-35/I-37 and SAT airport tie the city to statewide distribution. Storms, quick ponding, and heat push fleets and warehouses to tighten SOPs for summer operations.
Construction & Tenant Improvement
From Pearl and Broadway TIs to South Side infill, contractors juggle heat, wind/hail, and downtown lane closures—plus strict COI wording for public works and venues.
Defense, Aerospace & Tech (Port San Antonio)
Port SA anchors MRO, cyber, and advanced manufacturing with Boeing, integrators, and start-ups. Campus expansion aims to double jobs and add Innovation Tower, hotel, and retail—driving vendor demand for certified contractors and secure facilities.
Automotive & Advanced Manufacturing (South Side)
Toyota’s 2,000-acre campus and supplier network underpin South Side jobs; new axle production and supplier plants signal continued growth and logistics throughput along I-37 and Loop 410.
What San Antonio Businesses Must Know
Local Risk Insights
- •If the I-35 lower level closes, route via the upper deck or Broadway/Jones-Maltsberger to reach the Pearl and Midtown...
- •Market Square load-ins work best before 9 a...
- •Babcock/Loop 410 and Boerne-side I-10 get messy in wind-driven bands...
Business Operations
- •Landlords and city venues expect AI + primary/non-contrib on COIs; keep templates ready...
- •Install temp/voltage loggers...
- •During ART construction segments, expect rolling lane shifts; set delivery windows from VIA notices 30+ days out...
Why San Antonio Businesses Trust Us
We're not just insurance agents – we're San Antonio business protection experts.
Local San Antonio Expertise
We know San Antonio's unique risks and business environment. Local knowledge that matters.
Rapid Response
Fast quotes, quick claims support. When San Antonio 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 San Antonio businesses need us.
Satisfaction Guaranteed
Your success is our priority. We stand behind our coverage recommendations 100%.
Common Questions
Does flooding of I-35’s lower level trigger my Business Income coverage?
Only if your insured premises sustains covered physical damage or if civil authority prevents access due to nearby covered damage within the policy’s distance/time limits. Street flooding alone without damage to your location typically doesn’t trigger BI.
What endorsements help when CPS outages spoil product?
Pair Utility Service Interruption (off-prem power) with Spoilage and Equipment Breakdown. Keep temperature and outage timelines; they’re often required to validate claims.
Are water-main breaks covered if my suite wasn’t physically damaged?
Lost revenue without damage usually isn’t covered. If water enters via drains, the water/sewer backup endorsement (often sub-limited) can respond. Extra Expense can cover bottled water, sanitation, and temporary electrical workarounds.
How do wind/hail percentage deductibles work in San Antonio?
Many property policies apply a 1–5% wind/hail deductible based on building or location value. Confirm how it applies and whether cosmetic-damage limitations affect metal roofs and rooftop equipment.
We operate patios—how do we manage sudden downpours and liability?
Document closure triggers (radar/alerts), slip-resistant mats, and mop logs at entries. Ensure GL includes assault & battery where applicable and verify coverage for tents/fixtures under inland marine.
Does flooding of I-35’s lower level trigger my Business Income coverage?
Only if your insured premises sustains covered physical damage or if civil authority prevents access due to nearby covered damage within the policy’s distance/time limits. Street flooding alone without damage to your location typically doesn’t trigger BI.
What endorsements help when CPS outages spoil product?
Pair Utility Service Interruption (off-prem power) with Spoilage and Equipment Breakdown. Keep temperature and outage timelines; they’re often required to validate claims.
Are water-main breaks covered if my suite wasn’t physically damaged?
Lost revenue without damage usually isn’t covered. If water enters via drains, the water/sewer backup endorsement (often sub-limited) can respond. Extra Expense can cover bottled water, sanitation, and temporary electrical workarounds.
From Market Square Barricades to Monsoon Blips—SA-Ready InsuranceThat Actually Works
Spoilage + Equipment Breakdown tuned to CPS/ERCOT realitiesJoin thousands of San Antonio businesses already protected.
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