5 Cities Insurance
Commercial Flood Insurance for California Businesses
Commercial flood insurance covers damage to buildings and contents from flooding, which standard commercial property policies exclude. For businesses in or near flood zones, a separate flood policy — often through the National Flood Insurance Program (NFIP) or a private market — is considered.
Coverage line pending confirmation
This line is shown for educational purposes. 5 Cities Insurance is confirming whether it offers this coverage and holds the appropriate authority. Until confirmed, this page is not an offer of coverage. Contact us to discuss whether it applies to your business.
Who may need this coverage
- Businesses in or near mapped flood zones
- Properties with below-grade or street-level exposure
- Companies required by a lender to carry flood coverage
What it may cover
- Building damage from flood
- Contents damage from flood
- Debris removal after a flood, subject to limits
Common exclusions and limitations
- Damage from causes other than flood
- Business interruption unless endorsed and available
- Property in basements in some forms
FAQ
Commercial Flood questions
Ask about this coverage
Contact us to confirm whether this line is available for your business.