Commercial Flood Coverage

Flood is defined as “flood, surface water, waves, tidal water or the overflow of a body of water, all whether driven by wind or not. This includes spray that results from any of these whether driven by wind or not.” (Basically, almost any water that comes from the outside in.)

Flood coverage is NOT provided on any business owners’ policy, and must be set up separately.

If you are in a flood zone and have a practice loan, it is very likely your bank will require you to carry flood insurance. 


For more information regarding any coverages listed on this site, email or call 800-944-7550. This information is designed to provide a general overview with regard to the subject matter covered and is not state specific. The authors, publisher and host are not providing legal, accounting or specific advice to your situation. Request of a quote for coverage does not guarantee that coverage can be provided. Any misstatements or omissions of relevant information from a client can result in a price variation or even declination or rescission of coverage.