Commercial Wind-Only

Offered by Orchid Insurance

Wind Only Commercial General Liability Hurricane Condominium Associations Homeowners Associations Apartments


A Commercial Wind-Only insurance policy protects a business in the event of loss due to wind and hail, regardless of whether the damage is derived from a named or everyday storm. No other perils are covered in this type of policy.

Wind-Only is not to be confused with windstorm insurance, which may cover damages from hurricane-force winds, tornadoes, hail and other weather events that are accompanied by wind gusts exceeding 35 miles per hour.

Orchid Insurance offers Wind-Only coverage that can help pay to repair or replace damaged property including equipment, supplies, and structures. This coverage particularly essential for

  • Apartment buildings
  • Condominium associations
  • Continuing care retirement community residential buildings
  • Homeowner’s associations

Wind and hail damage are among the most common claims made by small business policyholders. In much of the country, coverage for hail and windstorm damage is standard on a commercial property insurance policy. In coastal areas, hurricanes, wind and hail damage is often excluded from a standard insurance policy. This means small businesses purchase separate coverage for these exposures.

Orchid’s Wind-Only minimum is as low as $250,000 with deductible options as low as 1 percent in some states. Coverage is also available for multifamily dwellings with a maximum of four families.

Flexible coverage limits are also offered as long as they do not exceed the maximum values of:

·         Coverage B 30 percent of Coverage A

·         Coverage C 70 percent of Coverage A

·         Coverage D 30 percent of Coverage A


Appointment Required

Carrier Information

Multiple Markets Available



Rating A- or Better

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Offered By

Orchid Insurance

40 listings in 50 states + DC

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Availability 50 states + DC

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming


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