07/29/2026
Do you know if your business is covered for flooding?
Most business owners are surprised to learn it typically isn’t.
🚩What you need to know about flood coverage:
-Standard property policies usually exclude flood damage
-Coverage must be purchased separately through a specialized policy
-Flood risk isn’t just coastal; heavy rain, runoff, or nearby water can all trigger losses
-Damage can include buildings, equipment, and lost income
📝Something many business owners misunderstand:
-Just because your bank doesn’t require flood coverage does not mean your property will never flood
🚫Where businesses get it wrong:
-Assuming “water damage” coverage includes flooding
-Not considering their actual exposure
-Waiting until a threat is imminent (when coverage is often unavailable)
-Relying solely on lender requirements instead of real risk
Flood coverage is not automatically included and whether it’s required or not doesn’t change your exposure.
If you’re unsure whether your current policy would respond to a flood loss, it’s worth reviewing before it becomes a very real problem.
