Flood Insurance – Protect Your Business from Water Damage

Why having Flood Insurance is Important

Flood Insurance protects against property damage due to rising water from events such as heavy rain, flash floods, coastal storm surges, or overflowing rivers. Standard property insurance does not cover flood damage, so this is a critical addition for businesses in flood-prone areas.

Policies are available through the National Flood Insurance Program (NFIP) or private insurers, and they typically cover both buildings and contents. Some may also include business interruption, although this often requires a separate endorsement.

Flood risk is increasing due to climate change and development in floodplain areas. Business owners should review FEMA flood maps, understand their flood zone, and evaluate their risk annually. Flood insurance is not just for coastal regions—unexpected flooding can affect almost any property.