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Business coverage

Commercial Flood Insurance

Flood damage is specifically excluded from standard commercial property policies, so a single storm or overflowing creek can leave your building and inventory uninsured. If your business sits in a FEMA-designated flood zone, your lender will require separate flood coverage — and given California's atmospheric-river storms, it's worth carrying even where it isn't mandated.

Discuss Flood Options Schedule Consultation

Who this coverage is for

Commercial flood insurance is for businesses with property that could be damaged by flooding, which is not covered by standard commercial property policies. It is important for California businesses near coastlines, rivers, or in low-lying areas, but flooding can happen almost anywhere.

What it can help protect

This coverage helps you recover from flood damage that other policies exclude:

  • Building damage — helps repair or rebuild your structure after a flood.
  • Contents coverage — helps replace equipment, inventory, and furnishings damaged by flooding.
  • Covered flood events — responds to rising water, heavy rain, and certain storm surges.
  • Gap protection — fills the flood exclusion left by standard commercial property policies.
  • Recovery support — helps you get back to business after a damaging flood.
Regularly misunderstood coverages
Flood vs. Water Backup

External flooding vs. water backing up inside.

Key choices and underwriting factors

A licensed review will usually focus on occupancy and property location, building vs contents priorities, and deductible strategy and continuity planning.

Common Questions