Business Insurance
Flood
Covers physical damage caused by flooding, typically excluded from standard commercial property policies.
Get a Quote*General coverage descriptions listed below are intended as educational overviews and may not reflect the specific terms of any policy placed by Rampart Risk Advisors LLC. Coverages often vary by carrier and the risk profile of each individual business. Always refer to your policy to determine what exposures, perils, or claims are covered.
What’s Generally* Covered
- Physical damage to buildings and their foundations from flooding
- Damage to permanent fixtures, electrical and plumbing systems, and HVAC equipment
- Business personal property, inventory, and equipment damaged by floodwaters
- Debris removal and loss avoidance measures
- Coverage available through the National Flood Insurance Program (NFIP) and private markets
- Higher limits and broader coverage options often available through private flood insurers
Who It's For
- Property owners in FEMA-designated flood zones where coverage may be required by lenders
- Businesses in coastal areas, near rivers, or in regions with heavy rainfall
- Companies whose property has experienced drainage issues or nearby flooding
- Any business whose standard commercial property policy excludes flood damage