Flood Insurance Vs. Water Backup Coverage

Water can cause some of the most extensive damage to commercial buildings.  Knowing this, many business owners would like coverage in the event that their building is damaged by water.  However, business owners would be surprised to learn that most commercial policies do not provide coverage for water/sewer backup or for traditional flooding. Sometimes these coverages can be provided by endorsement to the commercial property policy, while other times a separate policy will need to be purchased to provide coverage.

To begin, it’s important to define the terms and understand the difference between the two causes of loss:

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