Commercial Flood Insurance
Definition. Commercial Flood Insurance covers flood damage — explicitly EXCLUDED from standard Commercial Property and BOP policies.
Also known as: NFIP, Federal Flood
Available through the federal National Flood Insurance Program (NFIP) up to $500K building / $500K contents, or through private flood insurers for higher limits. Required by most lenders if property is in a FEMA-designated flood zone.
Example
Hurricane storm surge floods restaurant; $180K building damage + $80K contents. NFIP pays up to $500K each. Standard Commercial Property would have paid $0.
Sources cited
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Reviewed by California-licensed Property & Casualty insurance agent
Jason Wootton (CA License #0I94454). Not insurance advice, an individual recommendation, or a solicitation in any state. Insurance regulations vary by state. For specific coverage decisions, consult a licensed insurance agent in your state.
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