Assists business owners with the cost of repairing a building damaged by floodwaters.

If floodwater leaks, seeps, or flows into a business’s property, it can quickly cause substantial and costly damages to the building and its contents. Flood Insurance may help business owners cover the costs of repairs, replacements, or a full rebuild after a covered flood loss.

This photo shows a flood outside of a building and represents flood insurance from The Andover Companies.


After experiencing flood-related water damage, a business owner with Flood Insurance may get help covering the costs of repairs, restoration, and cleanup. However, this coverage is not commonly included in a Businessowners Insurance policy or other commercial insurance policies. Review this coverage with an independent insurance agent who can assist in adding it to your insurance plan.

Flood Insurance typically covers losses and damages to a commercial building and its contents that occur due to the following types of waters entering a property from the outside:
  • Surface Water
  • Waves, Tidal Water, or Tidal Wave
  • Overflow of Streams or Other Bodies of Water
  • Water Below the Ground’s Surface that Flows, Seeps, or Leaks into the Building
  • Water Backups through Sewers or Drains
This is a photo of a sunset over a body of water next to a city and represents flood insurance from The Andover Companies.


The best way to find out what Flood Insurance will cost is to work with one of the highly qualified independent insurance agencies in The Andover Companies network. They will evaluate your property and the factors that help determine your flood cost, such as:

  • Flood Risk
  • Year of Construction
  • Building Occupancy
  • Number of Floors
  • Location of Contents
  • Elevation of Lowest Flood

Building Close Relationships, Close to Home
with the Agents We Serve and People We Insure

“As small-business owners, we have always chosen to place our Businessowners Policy with The Andover Companies. Their product offerings are comprehensive, and their rates are competitive. Most importantly, we feel they have always done right in protecting us. We confidently recommend Andover and are grateful for the relationship we share.”

Lindsey S.

“I feel comfortable having my insurance with The Andover Companies. I know that if something terrible happens, they will be there to support my family and guide us through the process. Insurance can be confusing, especially when you have multiple policies, but they have simplified the details so we can understand everything easily!”

Bianca and Ray L.

“We love working with The Andover Companies. Their products are continually evolving to meet the ever-changing needs of our clients, and the staff always provides us with responsive customer service. Most importantly to us, they understand the value of building long-lasting relationships.”

Dean Merrill II
Agent | Tobey & Merrill Insurance


Step 1:

Click on the Find an Agent button to search for independent insurance agencies near you.

Step 2:

Contact the independent insurance agency you would like to work with by phone or email.

Step 3:

Leave it up to your agent to uncover the best coverage solutions for your valuable property.