Flood Insurance

Tri-State Insurance Agency Helps Keep Your Business Afloat with Flood Insurance

In recent years, we have seen how flood damage can destroy towns, villages, even cities, including businesses that make up the fabric of these communities. What’s more flood damage isn’t isolated to coastal communities. Floodwaters can damage businesses just about anywhere, and that damage isn’t covered under standard commercial property insurance.

Stay above water with flood insurance.

Tri-State Insurance Agency can provide you with a business flood policy, which covers physical damage to your company’s building, foundation, electrical and plumbing systems, central air conditioning, furnaces and water heaters. Installed appliances and some installed carpets, wall coverings, bookcases and cabinetry are also insured, as are window blinds and attached garages. Debris removal is included, too.

Coverage for building contents and personal belongings within insured buildings is also available, although, if you are in a high-risk zone, you must get building and contents coverage separately. Keep in mind that basement areas and those below the lowest elevated floor receive limited or no coverage so risk-mitigation steps should be implemented.

If your business is located in a moderate or low-risk flood zone, you may qualify for a Preferred Risk Policy, which has low premiums and allows combining building and contents coverage under one policy. It offers up to $500,000 of coverage for your building plus $500,000 for contents. If needed, you can extend those limits by using an excess flood insurance policy.

Tri-State has access to the excess insurance market as well, so special needs, such as insuring exterior structures, covering lost business income due to flood, and covering commercial vehicles in a high-risk flood area, can be considered.

Let us protect your business with flood insurance.

Tri-State Insurance Agency provides a comprehensive business insurance portfolio for companies throughout Pennsylvania, northern New Jersey and New York. Give our professionals a call toll-free at 888.990.0526, email us or fill out and send the form on this page for a free consultation and quote.