Commercial Flood Insurance

What does Commercial Flood Insurance cover?

Commercial Flood Insurance helps protect your business from the damage costs that come from floodwater. A commercial flood insurance policy will not only protect the location of your business but also the physical contents and assets.  A commercial flood insurance policy is designed to protect your business if your floors, walls, ceilings, equipment and fixtures as well as furniture, inventory and business property sustain floodwater damage.
Call today to get a quote and find out how easy and affordable it is to add flood insurance protection to your portfolio of business coverages.

Do I need Commercial Flood Insurance?

If your business property insurance doesn’t cover flood damage – and most don’t – you should consider adding a commercial flood insurance policy. Start with a commercial flood insurance quote. Even if you live in an area that doesn’t flood, you’ll need a policy if:
  • You run your business in an area that has cold, snowy winters and warm springs. Fast melting snow is one of the top causes for commercial flooding.
  • You run your business out of an office complex. If there are business offices that are located above or to the side of your business, a leaky pipe could cause floodwater damage to your office.
  • You experience moderate rainfall during the year. Even with moderate rainfall, a drain could become clogged and eventually overflow into your place of business and cause flood damage.

How does a Commercial Flood Insurance Policy work?

Flood insurance from The Hartford is provided through the National Flood Insurance Program (NFIP), managed by the Federal Emergency Management Agency (FEMA).
Typically, the government requires a 30-day waiting period on new flood insurance policies. So it’s important to buy a commercial flood policy well before a potential flood event is headed your way.
It’s easy to get a quote. Just contact your local agent or call 1-800-296-7542 to speak with one of our flood insurance specialists. We’re eager to answer your questions and quickly assist you in getting the right flood coverage at the right cost for your business.
The Hartford is a participant in the federal Write Your Own (WYO) Program, part of the Federal Emergency Management Agency (FEMA), National Flood Insurance Program 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. 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. 

Find a Local Flood Agent

The Hartford has agents across the country to help with your flood insurance needs.