Statistically around 40% of all small businesses never reopen their doors following a disaster because of flood damages from severe weather. Just a few inches of water can cause tens of thousands of dollars in damage. Over the past few years, the average commercial flood claim has amounted to just over $85,000. Flood insurance is the best way to protect yourself from devastating financial loss. To find the flood risk for your business simply call our offices at 305-252-1009 with any questions you may have and a helpful agent will assist you or click here to get an online quote

Flood insurance policies cover physical damage to your property and possessions.

Building Property
• The insured building and its foundation
• Electrical and plumbing systems
• Central air conditioning equipment, furnaces, and water heaters
• Refrigerators, cooking stoves, and built-in appliances such as dishwashers
• Permanently installed carpeting over unfinished flooring
• Permanently installed paneling, wallboard, bookcases, and cabinets
• Window blinds
• Detached garages (up to 10 percent of Building Property coverage) Detached buildings (other than garages) require a separate Building Property policy
• Debris removal

Personal Contents Property
• Personal belongings, such as clothing, furniture, and electronic equipment
• Curtains
• Portable and window air conditioners
• Portable microwave ovens and portable dishwashers
• Carpets that are not included in building coverage
• Clothing washers and dryers
• Food freezers and the food in them
• Certain valuable items such as original artwork and furs (up to $2,500)