Natural Hazard Assessments

Natural hazard preparedness resources across every season

HUB provides preparedness and response resources across natural hazards while loss-prevention guidance addresses exposures standard policies often miss. This program is built for organizations whose property coverage hasn't been checked against changing conditions in a while.

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Why It Matters

Seasonal hazards don't wait for the next policy review

Standard property policies don't fully address natural-hazard exposure — winter weather slip, trip and fall risk and roof snow-load risk among them — and these deficiencies often aren't discovered until a loss occurs. A safety program and a property policy can both look complete on paper while still missing conditions that only show up once the season changes.

HUB's Approach

Preparedness resources paired with seasonal coverage review

HUB links natural hazard preparedness with crisis-response resources for events like earthquakes, hurricanes, wildfires, severe thunderstorms and tornadoes. It also provides response and recovery guidance that organizations can put into action when a specific hazard occurs. In addition, HUB offers loss-prevention guidance for exposure gaps that standard property policies may not fully address, such as slip-and-fall risks and roof snow-load risks.

Because these exposures typically surface only after a loss, HUB reviews property coverage against current conditions on an ongoing basis, rather than assuming the policy in place at binding still matches current risk months or years later.