Our Agency’s Comprehensive Commercial Flood Insurance

Even if you're not in a designated flood zone, flooding can strike anywhere from intense spring rainfall to melting snow and sudden flash flooding. The reality? 1 in 4 businesses that close after a natural disaster never reopen. Flood-related losses now average over $33,000 per claim and nationwide, flood damage already tops $6 billion annually.

Without flood insurance, your standard business policy won’t cover it. But with the right coverage, you’re not just paying a premium you’re buying a safety net.

• Building Protection
  Floods can devastate floors, walls, electrical systems, HVAC, plumbing and even improvements you’ve invested in. Our policy covers up to $500,000 in rebuilding costs, including structural improvements in rented spaces.
• Contents Coverage
  From inventory and office furnishings to machinery and equipment if it’s in your building and it gets damaged, you're covered. Up to $500,000 in contents protection.
• Increased Cost of Compliance (ICC)
  When a building must be elevated, relocated, or floodproofed to meet code compliance ICC coverage reimburses those necessary upgrades beyond standard repairs.
• Prevention, Protection & Cleanup
  Be proactive with sandbagging, emergency relocation, and securing your business. We cover up to $1,000 for flood mitigation efforts before a storm and to remove debris afterward.
• Excess Coverage
  Need more than standard NFIP limits? We offer excess flood coverage through trusted private insurers this can also include business-interruption protection so you can operate even during setbacks.

• Storm surges in hurricane-prone zones
• Flash floods after heavy rainfall
• Melting snow overwhelming nearby streams
• Obstructed urban drainage from development
• Dam or levee failures, mudslides, and ice jams

If water spreads across two or more acres or impacts two properties the NFIP considers it a flood. That’s when a flood policy steps in.