Primary, Private and Excess Flood Markets
Flood Coverage
Commercial flood insurance protects business properties from flood damage, which is typically excluded from standard commercial property policies. This coverage is essential for businesses in flood zones and provides protection for buildings, contents, and business income losses from flooding events.
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