Commercial Flood Insurance

What is commercial flood insurance?

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

What does commercial flood insurance cover?

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)