Does Commercial Insurance Cover Weather and Flood?

Commercial insurance offers a huge range of coverage for nearly anything you could imagine. That being said, there are some things that it does not cover. Your commercial policy is going to cover a large number of different occurrences from things like an injury to employees to theft of merchandise. If you live in the Centennial, CO area, the agents with Compass Insurance are ready and waiting to help.

Between weather damage and flood, commercial insurance only covers one of the two techniques. Commercial insurance covers weather damage to your building but in some cases might cover flood that is associated with that damage. It does not, however, cover flood that is associated with general flooding. A good way to look at this is to consider a scenario. Say your business was damaged by a storm that tore a hole in the roof, your store then flooded because of the hole and you had to do extensive water clean- up, this would be covered on your commercial policy. Similarly, your commercial policy would also cover flooding associated with something like a burst pipe in your business. It does not cover flooding that is associated with general flooding.

Your commercial policy covers a great deal and it is always best to speak with an agent about what your policy covers and what you can expect if you have to file a claim on your insurance. Your agent can discuss with you what your policy covers and what it does not cover so that you can get a better idea about what your policy is for. If you live in the Centennial, CO area, the agents with Compass Insurance can help to get you the policy you need and can help you determine what policy you need.