Excluded from every standard property policy, and the limits are lower than you think.
We place flood coverage for commercial buildings and contents through the NFIP up to its caps, and through the private market for anything above them.
Tell us the situation.
One licensed human replies the same business day — not five agents, not an auto-responder. If the policy you have is already the right one, we will tell you.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
Send us what you have. We’ll tell you if it’s right.
Your current policy paperwork, a renewal notice, or nothing at all. A licensed agent reads it and replies the same business day.
What commercial flood actually covers.
Building
The structure, up to the NFIP commercial cap or higher in the private market.
Without it — Flood is excluded from every standard commercial property form.
Contents
Stock, equipment and business personal property, under a separate limit.
Without it — Building and contents are two limits, and both are capped.
Excess flood
Private coverage above the NFIP limits, for buildings worth more than the cap.
Without it — An NFIP policy alone leaves a large building substantially underinsured.
Business income
Lost income during flood repairs, which the NFIP does NOT cover at all.
Without it — The NFIP is a property policy only; the interruption is uninsured without a private layer.
Where commercial flood shows up.
- Commercial Landlords
Excluded by the property policy, and a lender on a mapped zone requires it whatever you think of the odds.
- Vacation Rentals
Excluded by the property policy, and a lender on a mapped zone requires it whatever you think of the odds.
What clients with commercial flood ask us.
Does the NFIP cover lost income?
No. The gap catches commercial owners hardest: an NFIP policy pays for the building and the contents and nothing for the months the business cannot operate. For a property owner that means no lost rent either. If the interruption matters — and for a debt-financed building it is usually the loss that decides whether you keep it — that has to come from a private flood placement or an excess layer written to include it.
We are not in a flood zone. Do we still need it?
Worth pricing, because "flood zone" means "zone where a lender requires it", not "zone where flooding happens". A substantial share of flood claims come from outside high-risk zones, and coverage outside a special flood hazard area is comparatively cheap. Zone maps also lag development: upstream building changes where water goes long before a map is redrawn.
Is storm surge flood or wind?
Flood, and it is the argument after every hurricane. Wind coverage answers wind-driven damage; water pushed inland by the storm is flood and falls outside the property policy. Coastal buildings therefore need both placements, and where the damage is ambiguous the two insurers will each point at the other. Having both with limits that make sense is the only real defense.
What is the private market for?
Higher limits, broader terms and sometimes a better price. Private flood can exceed the NFIP caps, can include business income and can offer replacement cost where the NFIP would pay actual cash value on contents. It is worth quoting alongside rather than instead — for a smaller building the NFIP is often fine, and for anything substantial the private market is usually where the program ends up.
Commercial insurance is 96% of what we do — it is not a department here, it is the whole business. Not ready to talk? The guides answer the questions this page raises in more depth. Already insured with us and need a certificate or a policy change? Ask the service team rather than starting a quote — it is faster and it goes to the people whose job it is. We also write home and auto, which is usually cheaper alongside the business policy than apart from it.
Handed a lease, a vendor packet or a client contract with insurance requirements? Paste it into the COI Requirements Decoder to see what each one means for your business, or read what the requirements mean.