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Commercial Flood Insurance

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Commercial Flood Insurance Provided By Our Agency

Most business insurance policies don’t cover losses resulting from floods, and if you’re located in a low-risk flood area, you might be tempted to bypass this important coverage. However, flooding can occur anywhere – it’s not limited to just coastal areas or river basins. The cost of damages from a flood could submerge your business permanently.

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Increased cost of compliance
Prevention, Protection & Clean-up
Excess coverage

Buildings Coverage

Risk Factors

A flood can cause major damage to floors, walls, ceilings, plumbing, electrical systems, and HVAC.


Commercial Flood insurance provides up to $500,000 in coverage for direct physical damage to buildings from or by flooding. This includes damage to floors, walls, ceilings, plumbing, electrical systems, and HVAC. In addition, for businesses that rent their buildings, this coverage can provide for tenant improvements your business has made to the building you rent.

Contents Coverage

Risk Factors

A flood can damage furniture, fixtures, inventory, machinery, equipment, and other property your business owns, and you need to pay the expenses for their replacement.


This also covers the contents of your building up to $500,000. Contents coverage includes furniture, fixtures, inventory, machinery, equipment, and other property your business owns that a flood has damaged.

Increased cost of compliance

Risk Factors

Cities and communities usually update their building standards over time to reduce damage from floods. However, if your building was built before the current standards took effect, you may incur additional costs to rebuild or bring your building up to the current flood management standards.


ICC coverage reimburses you for the cost to elevate, demolish, or relocate a damaged building. It also reimburses the cost of floodproofing qualified basements in buildings. ICC claims are handled in addition to the amount of your building claim.

Prevention, Protection & Clean-up

Risk Factors

Sandbagging is the most common and effective form of flood protection before a storm. A storm or a flood can damage your contents, and you need to pay for the clean-up of debris.


The NFIP will pay up to $1,000 to reimburse the cost of placing sandbags to protect your property. In addition, Commercial Flood Insurance will also pay up to $1,000 to reimburse the cost of moving items out of danger in advance of a storm. Finally, Flood Insurance will pay for the cost of removing debris from your property after a storm.

Excess coverage

Risk Factors

If you need higher coverage limits beyond the NFIP limits, you can purchase excess coverage from a private insurer.


In addition to the coverage provided by the NFIP, excess flood insurance coverage is available from insurers on the private market. Excess coverage can also offer business income insurance lost due to a flood. This can compensate your business for lost profits, as well as wages and operating expenses while your business is unable to operate.

What should I know about Flood Insurance?

Flooding is a risk to any business, whether you are inland or near the coastline. One in four businesses that shut down from a natural disaster never reopens, and more than 80 percent of all presidentially declared natural disasters involve flooding. According to the U.S. government, the average commercial flood claim in the past ten years has been around $33,000. In addition, property damage due to flooding usually adds up to more than $6 billion annually. 

Floods have many causes and can occur anywhere in the country, but here are some of the most common events that lead to flooding:

  • Storm surges in hurricane-prone areas.
  • Flash flooding caused by periods of intense rainfall.
  • Mudslides caused by prolonged, heavy rain periods on a hill or mountainside.
  • Snowmelt caused by the still-frozen ground being unable to absorb excess water.
  • Ice jams when an ice chunk flowing in a river or stream blocks, dams or narrow passageways, causing an overflow.
  • Urban development, such as new construction and or ground paving, which alters the topography by not allowing the land to drain properly. 

You should be aware that a general policy will not cover flood damage; this type of insurance is only available through the National Flood Insurance Program (NFIP). The NFIP will cover all the types of floods discussed above, including mudslides, though it is important to note that it does not cover landslides even if they are caused by heavy rain. To ensure you get a fair price, every commercial flood agent answers to this government agency; therefore, flood insurance is backed by the government but sold through private insurers. 

What does Commercial Flood Insurance cover?

Flood insurance covers damage to your building and contents caused by a flood. This includes losses from water overflowing rivers or streams, heavy or prolonged rain, storm surge, snow melt, blocked storm drainage systems, broken dams or levees, or other similar causes.

To be considered a flood, waters must cover at least two acres or affect two properties. Generally, if water comes from above—for instance, from rain or melting snow overflowing gutters and leaking onto your inventory—you’ll be covered by your standard commercial property insurance.

If your business or property gets damaged from floodwater, commercial flood insurance can help cover your repair costs.

What gets covered under Commercial Flood Insurance?

Commercial contents:

Commercial contents cover inventory, merchandise, machinery, and any other contents your business has up to $500,000.

Commercial building:

Commercial building covers your company’s building up to $500,000. So even if your company does not own the building, you can insure the value of the improvements you made to the space. 

If the value of your business is more than $500,000 in either of these areas, you can purchase an excess flood policy to provide coverage of up to $1 million. In addition to these two types of building coverage, the NFIP will keep you covered for flood protection, prevention, and cleanup.

Connect with us to know more about commercial flood insurance.

What is the importance of Commercial Flood Insurance?

Most commercial property insurance policies don’t cover flood damage. So, you may want to buy commercial flood insurance to help protect your business and personal property.

Even if your business isn’t in an area prone to flooding, you’ll want commercial flood insurance if:

You run your business in an area with cold, snowy winters and warm springs. Fast-melting snow is one of the top causes of commercial flooding. In addition, you experience moderate rainfall in the spring. A nearby stream overflows from the rainfall, flowing into your place of business and causing flood damage.

Your business’ basement floods from construction runoff next to your building and damages equipment and inventory.

Already have Commercial Flood Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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Sargent Insurance Agency

Also providing service throughout Camden, Helena – W. Helena, Maumelle, North Little Rock, and Pine Bluff areas. – Licensed in Alabama, Arkansas, Mississippi, Tennessee and Texas.
7107 West 12th St. Suite 103 Little Rock, AR 72204
1120 Washington St Camden, AR 71701
2600 West 28th Pine Bluff, AR 71603
421 Perry St Helena AR 72342
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