Can Hail Protection Lower Your Insurance Premiums?

For businesses that operate car dealerships, parking lots, industrial plants, and warehouses, hailstorms pose a serious financial risk. Beyond the immediate costs of repairing hail-damaged vehicles and equipment, frequent hail claims can cause insurance premiums to skyrocket, making insurance coverage more expensive—or even difficult to secure.

The good news? Proactive hail protection—like hail netting—can significantly reduce insurance costs by preventing damage before it happens. In this article, we’ll explore how investing in hail protection can help businesses save on insurance, reduce claims, and ultimately pay for itself through long-term savings.

How Hail Damage Affects Insurance Premiums

Hail damage is one of the most frequent and costly weather-related insurance claims. For businesses with large outdoor assets, such as vehicles or industrial equipment, a single hailstorm can result in millions of dollars in damages.

Why Frequent Hail Claims Lead to Higher Premiums:

• Repeated Claims = Increased Risk: Insurance companies raise rates and deductibles for businesses that frequently file hail-related claims.
• Policy Exclusions: Some insurers exclude hail damage coverage or require high deductibles in hail-prone areas.
• Premium Hikes After a Major Event: Businesses that fail to implement protective measures often see significant year-over-year premium increases after multiple claims.

For example, one business saw its insurance premiums jump by 400% after multiple hail claims, making coverage financially unsustainable.

How Hail Protection Helps Reduce Insurance Costs

Implementing hail protection systems like hail netting demonstrates to insurance providers that your business is taking proactive steps to mitigate risk. Many insurers reward risk reduction measures with lower premiums, which can result in substantial long-term savings.

Key Insurance Benefits of Hail Netting:

✔ Lower Insurance Premiums – Businesses that install hail netting often see insurance savings of up to 40%.
✔ Reduced Hail Claims – By preventing hail damage, businesses eliminate costly claims that raise premiums.
✔ Better Policy Terms – Insurers may offer lower deductibles or broader coverage for properties with protective systems in place.
✔ Faster Claim Approvals – In the event of a storm, insurance providers are more likely to approve claims when businesses can show they’ve implemented protection measures.

Real-World Savings: How Hail Netting Pays for Itself

Investing in hail netting isn’t just about protection—it’s a financial strategy that pays off quickly.

One client who installed a custom hail netting system saw:
📉 Annual insurance premiums drop from $1,693,275 to $1,015,965 (a 40% reduction).
💰 Savings of over $600,000 per year—enough to recoup the cost of installation in just over two years.
🚗 Zero hail-related claims since installation, preventing further premium hikes.

>> Learn More: Case Study: How One Car Dealership Saved Thousands with Hail Netting and How Our Hail Netting Is Engineered for Maximum Durability

Why Hail Netting Is the Best Solution for Insurance Savings

Bottom line? Hail netting is a one-time investment that provides long-term financial benefits, keeping insurance costs under control while protecting valuable assets.

Lower Your Insurance Costs with Hail Protection

If your business is in a hail-prone region, waiting until after a major storm to act could mean higher premiums, costly claims, and financial setbacks. Hail netting helps prevent hail damage before it happens—saving your business money on repairs and insurance.