Flood Insurance

What does flood insurance cover?

With a standard policy, you can protect against damage to
  • The building
  • Its contents
  • Or both
Depending on your needs, you may decide to insure both to protect:
  • Structural elements, such as walls, floors, equipment, and fixtures
  • Business property, such as inventory, furniture, and wall and floor coverings

(This is a partial list for general guidance purposes only. For a complete list of coverages, refer to your policy or talk to an agent.)

Flood insurance is a commercial lifeline

After a disaster, an estimated 40% of businesses don’t reopen. Of those that do reopen, 25% fail within one year. Having the right amount and type of insurance protection, including flood insurance, can help your business get back on its feet after a disaster. Small businesses are especially vulnerable, often simply because they often don't have the time or resources to put into creating a comprehensive preparedness plan.1

Now is the time to get flood insurance: Not when a tropical storm is bearing down on your location. Typically, there’s a 30-day waiting period on new flood policies. So it’s important to buy a flood policy before a storm is headed your way.

Government guarantees

Your flood insurance policy is backed by the federal government. The Federal Emergency Management Agency (FEMA) manages the National Flood Insurance Program. And insurance companies in the U.S. that offer flood coverage do so through this federal program.

Westrock Insurance will assess your risk for flooding and the find the right commercial policy to guard against losses from flood damage. Click here to find out how.