![]() ![]() Damage caused by moisture, mildew, or mold that could have been avoided by the property owner.Other personal property owned by you and used in your businessĬommercial Flood Insurance does Not Cover:.Up to 10 percent of contents coverage to improvements made to a building the insured occupies as a tenant.Non-licensed self-propelled vehicles if stored inside the insured building and used to service the described location (for example forklifts or tractors) or designed to assist a person with a disability.Certain valuable items such as original artwork (Limited to $2,500 in total).Food freezers (other than walk-ins which are covered under Building Property).Carpets or rugs not included in building coverage.Portable microwave ovens and portable dishwashers.Electronic equipment and computers (not data or software).Raw materials and in-process or finished goods.Merchandise held in storage or for sale.Personal Property (Contents) coverage includes: Fire extinguishing apparatus and fire sprinkler systems. ![]() Outdoor antennas and aerials attached to buildings.Pumps and machinery for operating pumps.Permanently installed paneling, wallboard, bookcases and cabinets.Permanently installed carpeting over an unfinished floor.Central air conditioning equipment, furnaces and ventilating equipment. ![]() NOTE: Refer to your commercial flood insurance policy or consult your Alliance Commercial Insurance Specialist for an exact list of what is and what is not covered! For example, damage caused by a sewer backup is not covered by flood insurance unless it’s a direct result of flooding. Flood damage must be a direct result of flooding. This includes protection for your business’ building property such as floors, walls, ceilings, plumbing and electrical systems and the contents such as equipment, inventory, fixtures and furniture. What Does Commercial Flood Insurance Cover?Ī commercial flood insurance policy is designed to protect your business if you sustain damage from floodwaters. ![]()
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