Flood Coverage for Businesses

As Florida business owners we know the Sunshine State puts our business facilities at a high risk for flooding. That’s why Chapman Insurance Group offers businesses flood insurance.

Flood insurance is not usually covered in a typical business insurance policy. We will find a policy that protects your office or facility from water damage caused by:

  • Heavy rain
  • Severe coastal storms
  • Plumbing systems
  • Appliances
  • Leaks

Do I Need Flood Insurance for My Business?

It’s not legally required for every business in the state of Florida to have a flood insurance policy. However, even if you want to reduce your risk for your business, it’s a good idea to have protection. Floods can happen anywhere – they don’t operate by a certain set of rules. It’s smart to be one step ahead.

In some cases, your lender may require you to have a flood insurance policy – especially if you live in a high-risk zone.

When To Get Flood Insurance?

It’s always smart to be prepared for disaster strikes. For the most part, flood insurance policies don’t go into effect until 30 days after purchase – meaning that you should be covered before the rainy season starts.

What Is Covered By Flood Insurance?

A flood insurance policy covers damage to your home’s structure and personal property inside it in the case of a flood. When it comes to structures within your home, many policies typically cover:

  • Appliances
  • Carpeting/flooring
  • Cabinetry
  • Electrical/plumbing
  • Heating/AC units

Content that is covered:

  • Clothes
  • Electronics
  • Furniture
  • And more

Have a question?
Talk to an expert.

If you’re not sure if your business needs flood coverage, we can answer all your questions. Talk to one of our agents to find a policy that works for you.

Find an agent in your area.

Providing commercial flood coverage in Cape Coral, Fort Myers, Naples, Port Charlotte, Punta Gorda & Bonita Springs, Florida.

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