General Liability GL
Offices, shops, and service businesses · Contractors who must give certificates to general contractors
Core protection if a third party alleges bodily injury or property damage arising from business operations.
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Commercial Lines
Flood Coverage (Commercial)
Flood protection for commercial buildings, contents, and related property.
Commercial property insurance almost never pays for flood. If water rises into the building from rain, a river, or surge, you need a separate flood policy.
How it works
The exclusion is standard, which is why so many owners are surprised after a storm. Commercial flood can cover the building, the contents, or both, and it matters whether you own the real estate or are a tenant with inventory and equipment at grade. Mapped flood zones are only part of the story. Drainage failures, nearby creeks, and coastal surge have generated claims well outside “high risk” maps. We look at the address, first-floor occupancy, and whether contents or the shell is the bigger exposure.
Who this is for
- Building owners near water or in mapped flood zones
- Tenants with inventory or equipment on a ground floor
- Investors whose lenders require flood coverage
- Owners who have never been in a flood zone but have drainage risk
What it typically covers
- The commercial building, if you insure it
- Contents and equipment, if purchased
- A gap that the regular property policy leaves open
- Locations inside and outside high-risk maps
A simple example
A slow tropical system inundates a warehouse floor and ruins palletized stock. The property carrier points to the flood exclusion. Only a flood policy is built to pick that up.
Good to know
- Waiting periods are common. Buy it before the forecast, not after.
- This is separate from sewer backup or sprinkler leakage, which are different water claims.
Coverage, eligibility, and terms vary by location and underwriting.
Guides
Read this before you quote or apply.
Guide
What to review before a homeowners insurance renewal
Rebuild cost, roof, water, deductibles, and the flood gap that a standard HO-3 never fills.
Read guideGuide
What to review before renewing commercial liability
Limits, additional insureds, class codes, and the claims that actually blow through a $1 million GL policy.
Read guide