• Availability: all 50 states and US territories
• Limits: $500,000 building; $500,000 contents
• Deductible: Separate deductible for dwelling and contents
• Standard waiting period: typically 30 days
• Elevation Certificate (EC) may not be required, but an EC could mean a more affordable rate
• Summary of coverage

Excess Flood

Higher limit options

• Availability: all 50 states
• Limits: $15M combined
• Deductible: "Follow form" to the primary NFIP policy
• Business income coverage: $500,000 (includes loss of rent)
• Elevation Certificate not required on certain risks
• Replacement cost option on contents available on certain risks
• Coverage highlights and FAQs

Private Primary Commercial Flood

With competitive pricing, the private market may provide alternative opportunities for flood insurance protection with broader limits and the option to include business interruption.

Option 1

• Availability: all 50 states except AK, HI and KY
• Limits: $2.5M building, business personal property and business income
• Deductible: Flat deductible
• Standard waiting period: 7 days
• Business income coverage available
• Elevation Certificate not required
• Replacement cost option on contents avilable
• Features and comparison

Option 2

• Availability: all 50 states
• Limits: $3M combined building and contents
• Deductible: $2,000 per occurence for buildings. $2,000 per occurence for contents.
• Standard waiting period: up to 14 days
• Business income coverage available
• Elevation Certificate may not be required
• Replacement cost option on contents available
• Highlights

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