Separate the building from business property
It helps to know who owns the improvements, equipment, fixtures, and inventory. A landlord’s building policy and a tenant’s property coverage protect different things.
For buildings and operations
Flood insurance for Coastal Georgia businesses.
Protecting a commercial property may involve the building, equipment, inventory, and tenant improvements. We’ll help you sort through it.
A good place to start
Tell us about the property and what you want to protect.
Commercial flood coverage is about more than the building’s size. We’ll look at who owns the building and improvements, where equipment and inventory are kept, and how the property is used.
Know the NFIP ceilings
NFIP commercial policies offer up to $500,000 for the building and $500,000 for contents. Private capacity and terms vary by insurer and property.
Do not assume income protection
Standard NFIP coverage does not include business interruption or lost income. Any continuity coverage should be verified in the actual policy.
Helpful information
Details that help with a commercial quote
Coverage for outdoor property, vehicles, financial loss, and property in lower enclosures can be limited or excluded. Review the form against how the site actually operates.
- Property use and occupancy
- Building replacement-cost estimate
- Equipment and inventory values
- Floor plan and lowest-floor use
- Loss history and current policy
- Mortgage or lease insurance requirements
Helpful resources
Check the details from trusted sources.
These official resources can help with program rules and flood maps. Your issued policy is always the final word on coverage.
Questions we hear often
Know what to ask before you decide.
These answers are a helpful starting point. Your policy documents and confirmation from the insurer provide the final answer.
Does commercial flood insurance cover inventory?
Contents coverage may include eligible inventory, furniture, and equipment, subject to the policy terms and location of the property.
Is business interruption included?
It is not included in the standard NFIP policy. Some private programs may offer additional options, but availability and terms must be confirmed.
Can a tenant buy flood coverage?
A tenant may be able to insure eligible business contents and improvements. The lease and each party’s responsibilities should be reviewed.
We’re happy to help
Need a flood insurance quote?
Tell us what you know about the property. We’ll help with the rest and explain your options in plain language.