What is Considered a Flood?

A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties from:

1. Overflow of inland or tidal waters
2. Unusual and rapid accumulation or runoff of surface waters from any source
3. Mudflow

What is Commercial Flood Insurance?

Commercial flood insurance helps protect your business from flood damage. This type of commercial insurance can help protect your business’ physical location and/or the contents inside. You may need to get this insurance as a separate policy because flood coverage is not usually a part of a commercial property insurance policy.

1. Standard policies do not cover flood
2. Flood policies have a 30-day waiting period before coverage is valid (unless required for a closing with a mortgagee)
3. Policies with property (contents and/or building) can get flood insurance
4. Flood insurance does have provisions for financial help for prevention (they help pay for sandbags, and storage to move items away from flooding area)

Call today or find a business insurance agent to learn more about how flood insurance can help protect your business.