Commercial Flood Insurance

Safeguard Your Business with Commercial Flood Insurance: Protecting Your Property and Assets


Unlock Comprehensive Flood Insurance Solutions with AFR: Your Trusted Partner

With the ability to tap into multiple private flood insurance markets and the NFIP, AFR evaluates your unique circumstances, enabling you to make a well-informed decision that aligns with your needs.  

Private Flood Insurance

Private Flood Insurance

  • Expanded Coverage: Private flood insurance provides increased coverage limits, including coverage for business interruption, rental value income, and improvements & betterments.
  • Customized Policies: AFR can tailor flood insurance to specific needs, with flexible deductibles, replacement cost coverage options, and endorsements for additional coverages.
  • Competitive Pricing: Private flood insurance providers offer competitive pricing and discounts, potentially resulting in lower premiums.
  • Excess Flood Coverage: Excess flood insurance supplements primary coverage limits, bridging the gap for properties requiring higher limits for comprehensive protection.

National Flood Insurance Program

  • Rates and guidelines for the National Flood Insurance Program (NFIP) are set by the federal government.
  • The NFIP has introduced Risk Rating 2.0, changing how flood insurance rates are determined.
  • NFIP offers the following coverages and limits:
    • Building Coverage Limit: Up to $500,000 for commercial properties, covering the structure and permanently attached components.
    • Contents Coverage Limit: Up to $500,000 for contents and inventory inside commercial buildings, including furniture, fixtures, machinery, equipment, and inventory.
National Flood Insurance Program

Contact one of our agents today to find out how you can save time and money writing your commercial flood insurance through AFR.