Standard commercial property excludes flood. In Florida, that’s not a footnote — it’s the exposure. We place flood through the NFIP or private markets so a storm surge or rising water doesn’t become an uncovered total loss.
What it covers
- Building and contents flood damage
- NFIP coverage up to program limits
- Private excess flood above NFIP limits
Who needs it
Any Florida business in or near a flood zone — coastal, low-lying, or lender-required.
Florida note
A Florida coastal and high-risk necessity. We compare NFIP vs. private to get you broader terms or higher limits where the private market wins.