Commercial Flood

Almost 40% of small businesses never reopen their doors following a disaster because just a few inches of water can cause tens of thousands of dollars in damage. From 2007 to 2011, the average commercial flood claim was over $75,000. Flood insurance is the best way to protect yourself from devastating financial loss.

Q. My business is no where near water. How can I be in a flood zone?

A. Everybody is in a flood zone; some are higher risks than others. Nearly 20% of flood insurance claims come from moderate to low risk areas.


Q. How much will a flood policy cost me?

A. Premiums start as low as $567 per year for both Building and Contents, while Contents Only coverage starts at $162 per year for a Preferred Risk Policy.


Q. What is the maximum amount of insurance I can get for my business?

A. Commercial coverage is available up to $500,000 for your building and up to $500,000 to protect your contents.


Q. Why can't I just wait until a storm is coming to purchase flood insurance?

A. Typically, there's a 30-day waiting period from date of purchase before your policy goes into effect. That means now is the best time to buy flood insurance.


Q. My business has never flooded before. Why would I need flood insurance now? I'm not even near the water.

A. You don't have to be near the water to have a flood. Flooding can be caused by surface accumulation. New land development can increase flood risk, especially if the construction changes natural runoff paths.