Commercial Flood Insurance

Commercial Flood Insurance provides coverage for damages to your structures and their contents, stemming from flood-related incidents.

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What is Commercial Flood Insurance?

Commercial Flood Insurance is a necessary protection for businesses operating in areas prone to flooding. This policy covers damage to your property and assets caused by flood, which is typically excluded from standard commercial property insurance.

Why You Need It

1

To Protect Business Assets

Businesses with physical premises and tangible assets in flood-prone areas require commercial flood insurance to protect against potential financial loss due to flood damage.

2

To Meet Lender Requirements

If your business premises is located in a high-risk flood zone and you have a mortgage from a federally regulated or insured lender, you will likely be required to have flood insurance.

3

To Ensure Business Continuity

Flood damage can be substantial, causing operational disruptions and financial strain. Commercial flood insurance helps to ensure that your business can recover and continue operations after a flood event.

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What Commercial Flood Insurance Covers

Building Property

Building Property

This includes the building and its foundation, electrical and plumbing systems, HVAC equipment, permanently installed fixtures, and equipment.

Business Personal Property

Business Personal Property

Items such as machinery, appliances, furniture, and inventory within the building are covered under commercial flood insurance.

Loss of Business Income

Loss of Business Income

Some policies may provide coverage for business income loss due to the direct physical loss or damage to property from a flood.

What Commercial Flood Insurance Doesn't Cover

Not Covered

Business Interruption (NFIP Policies)

NFIP Flood Insurance does not cover losses due to business interruption. A separate business interruption policy is needed for that coverage or you can find this coverage on the private flood market.

Not Covered

Basements or Below-Ground Property

Generally, areas below ground are not covered under flood insurance policies.

Not Covered

Outdoor Property

Outside signs, fences, playgrounds, trees, and monuments are generally not covered under a commercial flood insurance policy.

Reasons To Have Commercial Flood Insurance Coverage

Commercial Flood Insurance is a must have for businesses that need:

To Protect Business Assets

Businesses with physical premises and tangible assets in flood-prone areas require commercial flood insurance to protect against potential financial loss due to flood damage.

To Meet Lender Requirements

If your business premises is located in a high-risk flood zone and you have a mortgage from a federally regulated or insured lender, you will likely be required to have flood insurance.

To Ensure Business Continuity

Flood damage can be substantial, causing operational disruptions and financial strain. Commercial flood insurance helps to ensure that your business can recover and continue operations after a flood event.

What Does Commercial Flood Insurance Coverage Cost?

Costs can vary based on your location and the specific type of work you perform. Here are some examples of commercial flood quotes:

Retail StoreWarehouseOffice Building
StateLACOAZ
Insured Property Value$5,000,000$2,000,000$3,000,000
Flood RiskHigh RiskLow RiskModerate Risk
Annual Premium$30,000$2,500$8,000

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What Our Customers Are Saying

Buying insurance can be a daunting task because of the complexity of each policy. LandesBlosch has been a game changer for my business. They held my hand through all the different options that my businesses may or may not needs to make sure I'm not underinsured. This reduces my personal stress and my business liability.

Dalton P.

I have been with Guy Landes and the LandesBlosch agency for almost 20 years. Guy Landes and his staff have been there for me and my entire family through several claims as well as guiding us successfully to ensure our family’s ever changing and growing business. Whether you are looking for personal or commercial insurance, you cannot find a more devoted and competitively priced group than the LandesBlosch Group!

Mike S.

If integrity is an important element in your business dealings? LandesBlosch delivers. This company stands on timeless character strengths that have been the cornerstone of their business build. Exemplary customer service skills combined with astute knowledge in the industry equates to unparallel success for any individuals or businesses seeking solid counsel. I highly recommend LandesBlosch as your insurance partner, you will not be disappointed.

Cheri M.

Protect Your Building From Flood Damage

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