protect your business or commercial rental property
As a business owner, you’ve worked tirelessly to turn your entrepreneurial dreams into a reality.
In the event of a flood, we can help you find coverage to protect everything you’ve worked so hard to build.
Our flood insurance agents help business owners like you get the coverage you need to protect your business and your assets.
Does your business need flood insurance?
Many businesses across the US are in floodplains, also known as high-risk flood zones. Floodplains are areas that are more prone to flood damage and tend to be in lower elevated areas.
If your business is in a high-risk flood zone, you will be required to purchase flood insurance by your lender.
Regardless of whether your business is required to carry flood insurance, it’s important to protect your success with flood insurance.
Most business owner policies don’t cover damage from a flood, causing 25% of businesses to never reopen after a flood.
At America’s Flood, we’d like to keep you out of that statistic. We’re here to help you get a flood insurance policy that will get your business back up and running as soon as possible after a flood.
What does Flood insurance cover for businesses?
You’ll want to be prepared if a flood hits your business. Most flood insurance policies will include building and business property coverage.
Some businesses may be required (or will elect) to get business income coverage to protect both their assets and potential losses that could occur in the event they’re forced to shut down due to flooding.
BUSINESS INCOME
This is offered through the private market. If your business is interrupted or experiences any financial loss due to flood damage, business income can help cover the cost of lost profits, employee wages, and operating expenses.
Why does your business need flood insurance?
With the government-underwritten NFIP coverage, you can secure coverage for a business up to $500K for the structure and $500K for business personal property.
While this is a great place to start, we work with the private market to get you:
Higher coverage amounts
Business income
Excess coverage (additional coverage added to your primary policy)
Little to no waiting periods (NFIP has a 30 day wait if there is no loan closing)
Coverage for multiple buildings scheduled on one policy
Coverage for COBRA/CBRA zones (Coastal Barrier Resource Area)
How much does flood insurance for businesses cost?
Every flood insurance plan is different. America’s Flood can help you customize your flood insurance coverage to meet your needs.
Our agents will find a policy that’s best suited for your business in the event of a flood — on your budget.
America’s Flood doesn’t charge an agency fee and has access to both the NFIP and private market. This allows us to find you the best coverage at the best price.
DON’T WAIT FOR AN EMERGENCY
Don’t let your business be susceptible to the disasters of flood damage.
Our agents can help you get an affordable flood insurance policy that protects your business and assets when the unexpected strikes.
Floods are one of the most common types of natural disasters in the United States. Flooding often oc...
America’s Flood has been providing thousands of Americans with flood insurance for over 25 years. As a privately owned, nationwide flood insurance broker, we are the experts in our field. Whether you need insurance through the NFIP (National Flood Insurance Program) or a private market, we can help you find the best rate and coverage for your needs. Our agents are dedicated to providing honest, reliable customer service.
