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Policy InformationCoverage ComparsionFrequently Asked Questions

Quote/Rate/Bind in Minutes

EZ Flood Commercial offers advanced digital capabilities, a streamlined and efficient quoting experience, and customizable solutions, making the program an attractive option for commercial property owners keen to help protect their investment.

EZ Flood Commercial Highlights

  • Customizable limits and optional coverages.
  • Instant policy issuance available.
  • Available nationwide excluding Alaska, Hawaii, Kentucky, and the District of Columbia.

Eligible Commercial Use Types

  • Bars & Taverns
  • Beauty Salons
  • Hotels
  • Mercantile Buildings
  • Office Buildings
  • Parking Garages
  • Religious Buildings
  • Restaurants
  • Retail – Clothing
  • Retail – Food
  • Warehouse (Excluding Perishables)

Flood Insurance Coverage Comparison*

EZ Flood Commercial

Maximum Limits

$2.5 million TIV incorporating BPP, building and business interruption.

Flood Definition

Flood definition complements the definition used in the water damage exclusion of the ISO causes of loss form, which includes reference to storm surge and tsunami.

Building Definition

Covers buildings, fixtures (including outdoor fixtures), permanently installed machinery and equipment, and additions under construction.

Personal Property

Property covered while within the insured building or structure located at the premises described. Property temporarily removed also covered up to 45 days at any other location. Personal property may be covered while temporarily stored in a portable storage unit.

Basements

No equivalent clause.
 
 

Business Income

Option to include by endorsement.

National Flood Insurance Program (NFIP)

Maximum Limits

Building: $500,000.
BPP: $500,000.

Flood Definition

Requires two or more acres of normally dry land or two or more properties (one of which is the insured’s) to be flooded.
 

Building Definition

Covers buildings, fixtures and machinery as defined and listed in the form.
 
 

Personal Property

Property only covered while inside a fully enclosed building. Personal property covered while stored at a temporary (45 days) location. Cover restricted to certain items of property when below the lowest elevated floor in certain zones.
 

Basements

Excludes buildings and their contents if more than 49% of the ACV is below ground level.

Business Income

Excluded.

Frequently Asked Questions

Please refer to the EZ Flood Commercial appetite guide for details on our risk appetite, as well as ineligible risks. If a coverage need falls outside of the EZ Flood appetite, please reach out to our affiliate Insurmark for more options.

EZ Flood Commercial is available nationwide excluding Alaska, Hawaii, and Kentucky, as well as the District of Columbia.

EZ Flood Commercial is available in the following flood zones:
  • Inland and non-surge exposed B, C, and X zones.
  • Positively elevated (relative to BFE) A and V zones.

Yes.

There are many benefits of EZ Flood Commercial:
  • Broad range of eligible commercial properties
  • Streamlined straight-through processing (STP)
  • Ability to quote/rate/bind digitally in minutes
  • Program limits up to $2.5 million TIV incorporating BPP, building and business interruption.
  • Available in all states (excluding Alaska, Hawaii, Kentucky, and District of Columbia)

The maximum limit is $2.5 million TIV incorporating business personal property (BPP), building and business interruption. Please refer to our Program appetite guide for further details.

EZ Flood Commercial provisions meet or exceed those of the NFIP commercial product. For complete details, please refer to the coverage comparison table.

*All descriptions, summaries or highlights of coverage are for general informational purposes only and do not amend, alter or modify the actual terms or conditions of any insurance policy. Coverage is governed only by terms and conditions of the relevant policy.