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, a federally regulated lender is required to make you carry separate flood coverage — and given California's atmospheric-river storms, it's worth carrying even where it isn't mandated.
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Now quoting: Commercial Flood Insurance