Commercial flood insurance in Florida is not always required, but it is strongly recommended, especially for businesses in high-risk flood zones or those with mortgages from federally regulated lenders. It can protect against building and contents damage from flooding, including scenarios like storm surge and overflowing rivers. Florida is susceptible to various flood events, including storm surges, hurricanes, and inland flooding.

Even if not in a high-risk zone, flood insurance can help mitigate the financial impact of flooding, as 25% of flood claims come from moderate to low-risk areas.

Commercial flood insurance can cover small and medium-sized businesses, commercial buildings and large residential buildings like apartments. Private flood insurance policies include all coverages offered by the National Flood Insurance Program (NFIP). Additionally, it includes optional coverages not available through the NFIP such as Business Interruption, Pool Repair & Refill, Replacement Cost on Building, and Loss of Rental Income on Apartments for even more protection. Flood insurance can help your business recover and resume operations faster after a flood, minimizing downtime and potential financial losses.

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