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Commercial Flood Insurance

If You Own a Business,
Flood Insurance is Right for You

The Hartford
is a Smart Choice

You work hard to build your business and make it a success. After all, your business is more than a dream – it’s your legacy. So you protect it with business property, liability and other insurance coverages.

But what about protecting your business with flood insurance?

Flooding can occur anytime, anywhere. Even in the most unlikely places. And it’s caused by more than just heavy rainfall. Melting snow and hurricanes can cause flooding, too. New construction is also a contributing factor during heavy rainfall.

One of the smartest ways you can help protect your business is with flood insurance from The Hartford through the National Flood Insurance Program (NFIP). And it’s easy to get a quote. Simply contact a local agent who represents The Hartford. Or, call 1-800-296-7542 and talk with one of our highly trained flood insurance specialists. We’ll be happy to answer your questions and assist you in adding this valuable protection.

Flood insurance FAQs

I have property insurance for my business. Why do I need a flood policy, too?
Most property and business owner policies don’t cover damage caused by flooding. Check your policy. If it doesn’t cover flood damage, you should consider adding a flood policy.

What does flood insurance cover?
With a standard policy, you can protect against damage to:

  • The building
  • Its contents
  • Or both

Depending on your needs, you may decide to insure both to protect:

  • Structural elements, such as walls, floors, equipment and fixtures
  • Business property, such as inventory, furniture, and wall and floor coverings

(This is a partial list for general guidance purposes only. For a complete list of coverages, refer to your policy or talk to an agent.)

What steps can I take to increase the chances that my business will reopen after a disaster like a flood?
Having the right amount and type of insurance protection, including flood insurance, can help your business get back on its feet after a disaster. Having a disaster preparedness plan can also help your business to weather the storm.

Consider this: After a disaster, an estimated 40% of businesses don’t reopen. Of those that do reopen, 25% fail within one year. Small businesses are especially vulnerable, often simply because they often don't have the time or resources to put into creating a comprehensive preparedness plan.1

A tropical storm is headed toward my state in a few days. If I get a flood policy today, will my business be covered for damage caused by that storm?
No. Typically, there’s a 30-day waiting period on new flood policies. So it’s important to buy a flood policy before a storm is headed your way.

Will my flood insurance policy be backed by the federal government?
Yes. The Federal Emergency Management Agency (FEMA) manages the National Flood Insurance Program. And insurance companies in the U.S. that offer flood coverage do so through this federal program.

Why should I buy flood insurance through The Hartford?
With more than 30 years of experience offering flood insurance, we understand the risks and consequences of flood damage on your business. Plus, for more than 200 years we’ve helped our customers prepare and prevail through losses.

Tips and tools to help you prepare for the unexpected

Do you know what you would do in an emergency? Being prepared can mean the difference between staying in business and closing your doors.

The Hartford can help. Visit our Catastrophe Information Center where you’ll find important resources to help you plan and prepare for a disaster.

The National Flood Insurance Program provides several useful tools at to help property owners protect themselves against flood damage. 

All policies are written subject to the National Flood Insurance Program.

1 U.S. Department of Labor, "Forty Percent of Businesses Shut Down After a Disaster. Will Yours Survive?" December 11, 2011

The Hartford is a participant in the federal Write Your Own (WYO) Program, part of the National Flood Insurance Program managed by the Federal Emergency Management Agency (FEMA). WYO flood policies are underwritten by the federal government and issued, sold, and administered by authorized private insurance companies, including Hartford Fire Insurance Company, Hartford Insurance Company of the Midwest and Hartford Underwriters Insurance Company. Accordingly, Hartford WYO flood policies are written subject to the rules, regulations, terms, conditions, and availability of the National Flood Insurance Program.

This site outlines in general terms the coverages and services that may be afforded under a Hartford WYO flood policy. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail. All coverages and services described in this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc.

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