Commercial Flood Insurance
Why Does Your Business Need Commercial Flood Insurance?
Floods are the most common natural disaster in the U.S., and your commercial property policy usually doesn’t cover them. One flood can damage your building, ruin inventory, and knock out equipment you need to open your doors.
Flooding isn’t limited to high-risk zones. Commercial flood insurance helps pay to repair your building and replace damaged inventory, equipment, and furnishings, so a flood doesn’t become the end of your business.
Trusted. Recognized. Ready When It Matters.
We’re honored to be named one of the Top Commercial Flood Insurance Services of 2025 by Insurance Business Review. This award reflects our commitment to clear communication, fast quoting, responsive claims support, and expert guidance for agents and business owners.
What Does Commercial Flood Insurance Cover?
Building Coverage
You can purchase basic building coverage up to $500,000, which covers repair or replacement and most installed improvements up to the coverage limit or the assessed replacement cost value of the building. Items typically covered are electrical and plumbing systems, central air conditioning, furnaces and water heaters, and flood-damaged interior and exterior finishes.
Even if you lease, you should still consider purchasing flood insurance to cover any improvements you have made to your location. For more information, contact your Bankers Agent or visit floodsmart.gov.*
Contents Coverage
On a commercial flood policy, contents coverage pays for damage to inventory, merchandise, machinery, and other contents and can be purchased up to $500,000 in coverage. If you are a tenant, you can apply 10% of your content’s coverage for any “improvements or betterments” made to the building at your expense.
Why Choose Bankers for Commercial Flood Insurance?
NFIP flood rates are set by FEMA, so you’ll pay the same rate with Bankers as with any other participating carrier. The difference is service. Bankers is one of the original Write Your Own carriers in the National Flood Insurance Program, and our own team handles every flood claim we write. No third-party administrators.
If an NFIP policy doesn’t fit your business, we also partner with private and excess flood carriers. If your property qualifies, your agent will see those options when quoting and can help you compare coverage and price.
*Bankers is not affiliated with the Private and Excess Flood Companies, policies will be issued, serviced, and claims will be handled by the issuing company, not Bankers Insurance.
