Commercial Flood Insurance
Flood damage is excluded from standard commercial property policies, and floods happen outside high-risk zones too. Heavy rain, mudflow after wildfires and overflowing storm drains can all damage business property. Pacific Southwest Insurance Services offers commercial flood coverage through the National Flood Insurance Program (NFIP) and private flood carriers.
Get a free quote today. Call (818) 701-1033 or email info@pswinsurance.com. Office hours are Monday to Friday, 9:30 AM to 5:00 PM.
Who We Insure
Our commercial flood clients include:
- Business building owners
- Business tenants (contents)
- Apartment and condo buildings
- Warehouses and industrial buildings
- Properties with lender flood requirements
- Properties near burn areas
Coverage Options
- Building coverage: Covers the structure and its systems.
- Contents coverage: Covers equipment, inventory and furniture.
- NFIP policies: Federal flood insurance for commercial buildings and contents, subject to program limits.
- Private flood: Higher limits and broader coverage options, sometimes including business income.
- Excess flood: Adds limits above an NFIP policy.
What Affects Your Premium
Every property is different. Carriers typically look at:
- Flood zone
- Building elevation
- Construction and foundation type
- Building and contents values
- Prior flood claims
- Deductible chosen
As an independent agency, we compare options from multiple insurance companies to find the right coverage at a competitive price.
Why Choose Pacific Southwest Insurance Services
- Family-owned and serving California since 1965, now writing coverage nationwide
- Access to multiple commercial property carriers, including markets for hard-to-place risks
- Fast certificates of insurance and lender evidence of property
- One agency for your property, general liability, commercial auto, bonds and more
- A real person answers the phone and knows your account
Frequently Asked Questions
Is flood covered by my property policy?
No. Flood is excluded from standard commercial property policies.
Do I need flood insurance outside a high-risk zone?
It’s worth considering. Many flood claims come from moderate- and low-risk areas, and rates are often lower there.
Is there a waiting period?
NFIP policies usually have a 30-day waiting period. Private flood waiting periods vary.
Other Properties We Insure
- Office Building Insurance
- Retail Store & Strip Center Insurance
- Apartment Building Insurance
- Warehouse & Distribution Center Insurance
- Industrial & Manufacturing Building Insurance
- Mixed-Use Building Insurance
- Medical & Dental Office Insurance
- Self-Storage Facility Insurance
- Vacant Building Insurance
- Builder’s Risk Insurance
- Restaurant & Bar Property Insurance
- Contractor Shop & Yard Insurance
- Auto Repair & Body Shop Insurance
- Hotel & Motel Insurance
- Church & House of Worship Insurance
- Gas Station & Convenience Store Insurance
- Salon, Barbershop & Spa Insurance
- Gym & Fitness Studio Property Insurance
- Daycare & School Insurance
- Dry Cleaner & Laundromat Insurance
- Landlord & Rental Property Insurance
- Business Tenant Insurance
- HOA & Condo Association Insurance
- Commercial Real Estate Investor Insurance
- Commercial Earthquake Insurance
- Business Interruption Insurance
- Equipment Breakdown Insurance
- Inland Marine & Contractor’s Equipment Insurance
Don’t see your property type? We insure most commercial properties. See all commercial property coverage.
Get a Commercial Flood Insurance Quote
Tell us about your property and we’ll shop the market for you. Call (818) 701-1033, email info@pswinsurance.com, or visit our office at 9036 Reseda Blvd., Suite 105, Northridge, CA.