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Commercial Flood Insurance

Commercial Flood Insurance

What is Commercial Flood Insurance, and Do I Need It?

Commercial Flood Insurance exists to make sure your business is protected should you face damage to walls, ceilings, flooring, furniture, fixtures, inventory, and other property from water damage. However, some standard commercial policies may have exclusions you need to be aware of.


Due to the large number of nuances involved in commercial flood insurance, it’s important to get with an ABCO advisor to examine your needs for every situation. No matter if your business is located near a flood zone or a low-lying area, ABCO will give you peace of mind in knowing exactly what is protected—before an incident occurs.

Commercial Insurance Wait Period

Flood insurance is often provided through the National Flood Insurance Program (NFIP), which is managed by the Federal Emergency Management Agency (FEMA). In most cases there is a 30-day waiting period before a flood insurance policy goes into effect, so it's best to be proactive to avoid any property losses.

90% of natural disasters cause flooding and only one inch of flooding can cause upwards of $30,000 in damages.

You need commercial flood insurance if:


  • The area where your business is located experiences regular or expected flooding.

  • Your business is located in an area where there are cold, snowy winters and warm springs.

  • There is moderate rainfall in your location during the year.

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