Primary, Private and Excess Flood Markets
Commercial Flood
Commercial flood insurance provides critical protection for business properties located in flood zones, near water bodies, or in areas with flood risk. This specialized coverage protects buildings, contents, and business operations from devastating flood damage not covered by standard commercial property policies.
One Intake, Multiple Flood Strategies
Casurance organizes the property, values, flood zone, elevation, lender requirements, requested effective date and loss history so a licensed producer can review available NFIP, private primary and excess flood options.
Flood Coverage Structures
- NFIP primary flood — federal flood insurance for eligible properties in participating communities.
- Private primary flood — market-specific building, contents, replacement cost, income or rental-value options.
- Excess flood — additional limits above eligible underlying primary coverage for higher-value properties.
Properties We Help Protect
- Main Street retail, office and mixed-use buildings
- Warehouses, industrial buildings, equipment and inventory
- Apartments, multifamily properties and condominium associations
- Hotels, motels and inns
- Homes, rental dwellings and one-to-four-family properties
Information That Helps Move a Flood Quote Forward
- Full property address, occupancy and construction
- Flood zone, foundation, basement or enclosure and elevation details
- Building, contents and business-income or rental values
- Prior flood losses and current or underlying policy information
- Elevation certificate, statement of values and loss runs when available