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Commercial Flood Insurance

Floods have the potential to change many lives once the water recedes and the devastation can be seen. While the first thing to do after a flood would be to contact your insurance provider to place a claim, that will not help much if your business is not covered by commercial flood insurance.

Just as with personal flood insurance policies, commercial flood insurance is not available to everyone flood damage is not covered by a basic commercial insurance policy. Commercial flood insurance must be purchased separately. Insurance companies write separate commercial flood insurance policies because the number of claims and the value of the claims is usually very high during a flooding event.

Commercial flood insurance is meant to fill in the gaps of an existing commercial insurance policy. Floods exclusions on a commercial insurance policy are typically defined as water damage caused by floods, surface water, waves, tidal water, or a body of water overflowing and can be wind driven. Exclusions also include water that comes to the surface either through sewers or drains or through the ground and leaks through a structure. Given these exclusions, and the amount of damage they have the potential to cause, commercial flood insurance is very important, especially in high risk areas.

If you think you live in a flood prone area and want to look into carrying a commercial flood insurance policy,contact an independent insurance agency such as the Boardwalk Insurance Group. The independent insurance agents at Boardwalk Insurance Group have the resources to see if you qualify and the knowledge to help you find the best commercial flood insurance policy. Fill out some simple forms and answer a few questions online about your property and a representative from Boardwalk Insurance Group will contact you quickly to help create the best commercial flood insurance policy for your business. Boardwalk Insurance Group representatives have access to 23 different insurance providers and can take the time to understand your needs when creating the commercial flood insurance policy that will best fit your business’s needs.

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