California Commercial Flood Insurance
(Quotes, Cost & Coverage)

Need Commercial Insurance?

Request A Quote



Get commercial flood insurance quotes, cost & coverage fast. CA commercial flood insurance protects your business property including your building and its contents from the damage and costs that resulting from flooding.

Business Flood Insurance

California Commercial Flood Insurance ⋆ Quotes, Cost & Coverage

With all of the expenses that are associated with running your business, you might try to skimp when it comes to certain things. In some cases, sparing certain things may be perfectly fine and won't hinder your business in any way; however, when it comes to California commercial flood insurance, you definitely don't want to neglect being covered.

While many business owners might think that California commercial flood insurance isn't really necessary, too many people find out the hard way that they should have had coverage. Considering the fact that it costs an estimated $20,000 to repair the damage from just one inch of flood water, and that most businesses that close when they become flooded never reopen again, if you live in or close to a flood zone, flood insurance for your business is really a necessity.

Does My Business Need Commercial Flood Insurance?

A lot of business owners assume that their CA property insurance will cover the damages that are associated with a flood; but many are surprised to find that their policy doesn't cover flooding. That's because the majority of commercial property insurance policies excluding flooding from coverage.

A "flood" is generally defined as "a temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is your property) from:

You'll want to seriously consider getting a California commercial flood insurance policy if:

What Does California Commercial Flood Insurance Cover?

Flood insurance for your company protects one of your most important investments from the damages that flooding can cause: Your business. With this type of insurance, you and your business are protected from the devastating financial losses that can occur with when a flood strikes. Not only does this insurance protect the building your business is located in, but it also protects the items inside your business and your assets.

A commercial flood insurance policy will pay for any repairs that your building may need in the event of a flood. It can also cover the cost of replacing the contents of your building. If mold or mildew forms as a result of flooding, your policy can also pay to remediate it.

Business flood insurance can either be purchased from an insurance agent, or you can buy a policy from a company that takes part in the National Flood Insurance Program. You also have the option to rely on special flooding programs that are offered by the government. It is in your best interest to purchase a policy through an agent, as you will be able to ensure you have adequate coverage for your business.

There are two different types of commercial flood insurance available, and you can choose to purchase one or both options.

Both of these types of insurance cover up to $500,000 in damages. However, you do have the ability to purchase an excess California commercial flood policy, which will grant more coverage. If your business is valued at more than $500,000, it's a wise idea to purchase additional coverage.

What California Commercial Flood Insurance Doesn't Cover

CA business flood insurance typically does not cover:

How Much Does California Commercial Flood Insurance Cost?

How much does California commercial flood insurance cost? This is the question most on CA business owners mind when they are shopping for a flood policy. Because California flood insurance is not a one size fits all, and there are many factors that are taken into consideration in your premiums - the easiest way to get flood insurance rates is to contact an agent to discuss your situation. Then you can get an accurate flood insurance quote to see the cost.

Below are some of the main factors that make up the cost of a CA business flood insurance policy:

You can look up your flood zone at:
FEMA Flood Map Service Center: Search By Address. You can also learn about flood insurance requirements for commercial property.

Further Reading On Flood Insurance

Floods can happen suddenly and can do tremendous amounts of damage. Following is some more useful information about flood insurance polices:

CA Commercial Flood Insurance Quotes

California Insurance

Request a California Commercial Flood Insurance quote in Anaheim, Bakersfield, Chula Vista, Concord, Corona, Elk Grove, Escondido, Fontana, Fremont, Fresno, Fullerton, Garden Grove, Glendale, Hayward, Huntington Beach, Irvine, Lancaster, Long Beach, Los Angeles, Modesto, Moreno Valley, Oakland, Oceanside, Ontario, Orange, Oxnard, Palmdale, Pasadena, Pomona, Rancho Cucamonga, Riverside, Roseville, Sacramento, Salinas, San Bernardino, San Diego, San Francisco, San Jose, Santa Ana, Santa Clara, Santa Clarita, Santa Rosa, Simi Valley, Stockton, Sunnyvale, Thousand Oaks, Torrance, Vallejo, Victorville, Visalia and all other cities in CA.

The California Department of Insurance

The CA Dept. of Insurance is the regulatory agency behind the insurance rules for the state of California. If you want to understand these rules, then this is definitely the agency that you need to focus on. Let's start with limits within the state.

California Minimum Insurance Limits
CA Insurance Regulations

As for regular insurance regulations there are a lot of things that California provides that you can look up. For example, there are deadlines for the insurer to pay the claim or deny it, deadlines for submitting paperwork to prove a loss for insurance reimbursement, specific information your insurance company is required to give you and regulations on what information you have to provide to your insurance company.

One of the California regulations calls for you to be treated by your insurance company in good faith. This means that your insurer must be considered of your needs and must communicate completely and honestly with you about your policy and everything that you need to know about it in order to make a good decision. In turn, you are legally obligated to be honest and cooperative with your insurance company when it comes to your claim.

You should also be aware that your insurance company is required to offer prompt, honest and complete communications. The company and all of its representatives must respond to your communications within 15 calendar days with a complete response based upon the facts that are known.

Finally, be aware that your insurance company is required to have a fair claims process. Unless it is specified in your policy, you do not have to use the forms that are provided to you by your insurance provider in order to make a claim. You can create a list of losses on your own if you need to. In addition, insurers are not able to ask for unreasonable proof of loss. If you provide photographic evidence or video of items that you lost, insurers are not able to ask you to provide additional information.


If you are looking for state specific Commercial Flood Insurance quotes, costs and information: California Commercial Flood Insurance, Colorado Commercial Flood Insurance, Delaware Commercial Flood Insurance, Florida Commercial Flood Insurance, Illinois Commercial Flood Insurance, Kentucky Commercial Flood Insurance, New Jersey Commercial Flood Insurance, New York Commercial Flood Insurance, Oregon Commercial Flood Insurance, Pennsylvania Commercial Flood Insurance, Texas Commercial Flood Insurance, Washington Commercial Flood Insurance.

Want A Business Insurance Quote?

Request A Quote

Contact EK Insurance to find out how much commercial insurance costs.