Does Commercial Property Insurance Cover Flood or Water Damage?

Short answer: Usually not.

Standard commercial property policies typically exclude flood damage.

Covered Water Damage May Include:

• Burst pipes

• Accidental discharge

• Certain storm-related openings

Typically Not Covered:

• Rising water

• Storm surge

• Surface water

• Sewer backup (unless endorsed)

Flood claims can shut down operations for months.

If you’re unsure what your water exclusions look like, call 704-248-2657 to review your policy.

About the Author

Renado Robinson is President and CEO / Founder of Crosswinds Insurance Agency. He advises business owners on layered risk strategies including flood, equipment breakdown, and specialty endorsements.