Compare NFIP and private commercial flood options. Coverage up to $500K and beyond for offices, retail, warehouses, and multi-unit properties.
A licensed commercial flood specialist will review your information and reach out within 1 business day with your coverage options.
Questions right now? Call us at (920) 785-5019
Trusted carriers across WI, MI & IL with E&O coverage for your protection.
84 verified Google reviews from real business clients.
Business flood experts — not a call center. Dedicated service for commercial accounts.
Protecting businesses & commercial properties across the Upper Midwest since 2004.
Most business owners don't realize how exposed they are — until it's too late.
From form submission to a personalized recommendation — our process is built for busy business owners and property managers.
Fill out our quick commercial quote form with details about your property and coverage needs. Takes under 3 minutes and there's no obligation.
We shop NFIP and private commercial flood markets to find the best coverage at the best price for your specific property type and risk profile.
A licensed commercial flood specialist reviews your options with you personally. We explain the differences clearly — no pressure, no obligation.
Both programs have distinct advantages. The right choice depends on your coverage needs, property type, and budget.
| Feature | NFIP Commercial | Private Commercial |
|---|---|---|
| Building Coverage | Up to $500,000 | $1M+ available |
| Contents Coverage | Up to $500,000 | $1M+ available |
| Waiting Period | 30 days (typical) | As low as 10 days |
| Basement / Below Grade | Limited coverage | More flexible options |
| Business Interruption | Not included | Available with select carriers |
| Accepted by Lenders | Yes — all federally regulated lenders | Yes — under federal law |
| Pricing Method | Standardized (Risk Rating 2.0) | Risk-based, often competitive |