Commercial Flood

Commercial Flood

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Even just a little water can bring business operations to a halt protection.  Despite common belief, the property coverage portion of your commercial insurance package policy will not safeguard your business against flood damage.

The National Flood Insurance Program (NFIP) provides a base level of coverage that will cover your property in the event of a flood. However, many businesses face significant repair and rebuilding costs which exceed the limits offered by the NFIP. In order to safeguard you against the financial harm of flooding, you need excess coverage that will help recoup more when a disaster strikes.

NFIP coverage details:

  • Residential buildings (1-4 units) $250,000
  • Residential contents $100,000
  • Commercial buildings $500,000
  • Commercial contents $500,000
  • Residential condo associations $250,000 per unit

Excess Flood Coverage Details:

  • Coverage up to $15 million
  • Eligible properties include: 1-4 family dwellings, apartments, condominiums, and commercial properties
  • Program follows excess of NFIP for ease of claim handling
  • Includes Buildings, Contents, and Loss of Income
  • Replacement Cost endorsement available

Rather than leaving your biggest investment vulnerable to flood damages, purchase a commercial flood insurance policy. This vital safeguard will provide your business and employees with lost income coverage, building property protection, and personal contents coverage when water invades. Since these policies come with a 30 day activation period, there is no better time than now to seek the insurance protection your company deserves.