Commercial Flood Insurance Provided by Our Agency

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Protect Your Business from Water Damage in Arkansas and Beyond

Floods can happen when you least expect them. The costs to recover can be overwhelming. At Sargent Insurance Agency, we help you find the right commercial flood insurance to protect your property, inventory, and livelihood. Based in Little Rock, Arkansas, we proudly serve local businesses and stand ready to assist you in preparing before disaster strikes.

Commercial flood insurance protects your business property and its contents from flood damage. Standard commercial property policies usually do not cover flood-related losses, so a dedicated flood policy is essential.

A commercial flood insurance policy helps cover:

  • Building structure and foundation
  • Electrical and plumbing systems
  • HVAC equipment, water heaters, and appliances
  • Interior walls, flooring, and fixtures
  • Inventory, machinery, and equipment
  • Valuable business documents

It's important to know that flood insurance generally does not cover damage from internal water leaks, like a burst pipe. Instead, it specifically covers external flooding from heavy rain, overflowing rivers, storm surges, or blocked drainage systems.

Many businesses think they're safe if they're not in a high-risk flood zone. However, according to FEMA:

  • More than 20% of flood claims come from moderate-to-low risk areas
  • Just 1 inch of water can cause over $25,000 in damages

Don't wait until it's too late. Flood insurance provides a financial safety net, whether you own a storefront, warehouse, office, or another commercial space.

You can buy commercial flood insurance through the National Flood Insurance Program (NFIP) or a private insurer. Depending on your property and location, we help you understand:

  • Building Coverage Limits Up to $500,000
  • Contents Coverage Limits Up to $500,000
  • Waiting Period: Typically, 30 days before coverage begins, unless purchased for a new mortgage

We also help you look into Excess Flood Insurance, which boosts your coverage beyond NFIP limits for larger commercial operations.

At Sargent Insurance Agency, we’ve been working with Arkansas businesses for generations. When you partner with us, you can expect:

  • Personalized guidance from local agents who understand your risks
  • Claims support when you need it most
  • Affordable and complete options tailored to your business type and location
  • Prompt service every step of the way

Whether your business is near a river, in downtown, or in a newly developed area, we take the time to help you understand your flood risk and insurance options.

Let’s Get Started Together

Protecting your home starts with a conversation. Whether you're building, buying, or just reviewing your current plan, we're happy to help. No pressure. No hassle. Just honest, neighborly advice.

Call us today or request a callback. We’re always just down the road and ready to help you protect what matters most.

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