Natural Hazard Assessments
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.
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 connects natural hazard preparedness to its crisis-response resources, covering earthquake, hurricane, severe weather, wildfire and severe storms with response and recovery guidance organizations can activate when a specific hazard hits. This is paired with loss-prevention guidance addressing exposure gaps, such as slip, trip and fall risk and roof snow-load risk, that standard property policies often don't anticipate.
Because these exposures typically surface only after a loss, HUB reviews property coverage against actual current conditions on an ongoing basis, rather than assuming the policy in place at binding still matches current risk months or years later.
Insights for Your Business
Natural hazard insight and research
