Protect your business with flood insurance

You worked hard to get your business off the ground. America’s Flood can help you stay protected with an affordable flood insurance policy so you can continue to run your business with peace of mind in the event of a flood.

Beyond coverage, we provide personalized assistance, ensuring your unique needs are met.

Let us be your trusted partner, securing the foundation of your business so you can continue to pursue your dreams with confidence. With America’s Flood by your side, you can focus on what you do best—building and growing your business.

protect your business or commercial rental property

As a business or property owner, you’ve worked tirelessly to turn your 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 specialize in assisting business owners like you in obtaining the coverage necessary to safeguard your business and your assets.

With our comprehensive flood insurance solutions and personalized service, you can rest assured that your business is protected against unforeseen challenges, allowing you to focus on nurturing its growth and success. Trust us to be your dedicated partner in securing the future of your business.

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 40% 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?

Your business is your livelihood, so you’ll want to be prepared if a flood ever happens to get your business back in operation as soon as possible. 

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 protection 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 $100K to $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 policy is unique, tailored to your specific needs. At America’s Flood, we specialize in customizing flood insurance coverage that aligns perfectly with your business requirements. 

Our dedicated agents work diligently to identify the policy that best suits your needs while trying to remain within your budget.

With America’s Flood, there are no agency fees, and we have access to both the NFIP and the private market, ensuring you receive the most comprehensive coverage at the most competitive price. Let us be your trusted partner in securing the future of your business against flood-related risks.


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.

    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.


    +1 800-333-0883


    [email protected]