Commercial Flood Insurance helps cover flood-related damage to buildings, equipment, inventory, and business property, helping your organization recover from costly flooding losses.
Every Commercial Flood insurance policy is built on a simple principle: protecting your business when flooding causes costly damage to your property, equipment, inventory, and operations.
Every Commercial Flood insurance policy is built on a simple principle: protecting your business when flooding causes costly damage to your property, equipment, inventory, and operations.
$500,000+
Building
$500,000+
Contents
Building Property Coverage
Protects the insured commercial building, including foundations, walls, roofs, floors, and permanently installed systems.
Business Personal Property
Covers furniture, equipment, inventory, supplies, and other business-owned contents damaged by flooding.
Improvements and Betterments
Protects qualifying alterations, installations, and improvements made to leased commercial premises.
Debris Removal
Helps pay to remove flood-damaged materials and debris from covered business property.
Equipment and Machinery
Covers eligible machinery, mechanical systems, and equipment damaged by floodwaters.
Stock and Inventory
Protects merchandise, raw materials, finished goods, and stored business inventory.
Business Interruption
May replace lost income when covered flood damage suspends business operations.
Extra Expense
Helps pay additional costs necessary to continue operations after covered flood damage.
Temporary Relocation
May cover reasonable expenses for moving operations to a temporary business location.
Rental Income
Protects qualifying rental income lost because flood damage makes covered premises unusable.
Ordinance or Law
May cover increased rebuilding costs required by updated building codes after flood damage.
Cleanup and Restoration
Helps pay for cleaning, drying, decontamination, and restoration of covered property.
Annual premiums start from $1,000. Higher limits are available depending on risk profile.
Common endorsements
& optional coverages
Standard EPLI policies cover the basics and endorsements let you extend, customize, or raise limits to match your specific business risks.
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Increased Construction Costs
Covers additional expenses required to rebuild damaged property according to current standards.
Pollution Cleanup Coverage
May cover cleanup costs for pollutants released or spread during a covered flood.
Mold Remediation Coverage
Helps pay eligible mold testing, removal, and remediation expenses following covered flood damage.
Valuable Papers Coverage
Protects important records, documents, manuscripts, and electronic data damaged by flooding.
Outdoor Property Extension
May cover specified fences, signs, landscaping, equipment, and other exterior property.
Service Interruption Coverage
Helps address losses caused by flood-related interruption of utilities or essential services.
How pricing works
Premiums vary by business type, risk level, and coverage details—not a flat rate.
Flood Zone
Higher-risk flood zones typically result in higher premiums and stricter underwriting requirements.
Property Location
Proximity to rivers, coastlines, drainage areas, or floodplains affects expected flood exposure.
Base Flood Elevation
The relationship between the building and base flood elevation influences pricing.
Building Occupancy
Retail, warehouse, manufacturing, hospitality, and other uses have different flood exposures.
Building Construction
Foundation type, materials, structural design, and flood-resistant features affect potential damage.
Building Value
Higher replacement costs generally require higher limits and produce higher premiums.
Who needs Flood insurance?
Any business whose property or operations could be financially affected by flooding.
Commercial property owners.
Office buildings, warehouses and distribution centers.
Businesses with valuable inventory or equipment.
Businesses located in or near flood-prone areas.
Compare quotes from multiple carriers.
How it works
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