Flood insurance

Coverage that helps your business recover after flooding.

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Flooding isn't covered under a standard property policy, so protecting your business means carrying flood insurance separately — and it matters more than most owners realize. More than 20% of small businesses never reopen after a natural disaster. Neptune flood coverage through EverPeak helps by covering the cost of rebuilding, keeping your business running during the interruption, and getting you back on your feet faster.

Who we cover

Neptune flood insurance through EverPeak offers coverage to small and medium-sized business owners, commercial buildings and residential condominium buildings (RCBAP).

storefront

Main Street, mercantile commercial cuildings

An entire office, retail, restaurant, industrial and other non-residential buildings

home_work

Mixed-use buildings

Some residential and some commercial use in the same building. Coverage for the entire building

hotel

Hotels, motels and inns

Coverage for the entire building

holiday_village

Apartment or co-op

An entire apartment building or co-op (not condominium form of ownership)

domain

Entire residential condo building

Residential Condominium Building Association Policy – requires condominium form of ownership

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Coverage by state

Learn more about specific business insurance requirements and local compliance guidelines in your state.

alabama
alaska
arizona
arkansas
california
colorado
connecticut
delaware
district-of-columbia
florida
georgia
hawaii
idaho
illinois
indiana
iowa
kansas
kentucky
louisiana
maine
maryland
massachusetts
michigan
minnesota
mississippi
missouri
montana
nebraska
nevada
new-hampshire
new-jersey
new-mexico
new-york
north-carolina
north-dakota
ohio
oklahoma
oregon
pennsylvania
rhode-island
south-carolina
south-dakota
tennessee
texas
utah
vermont
virginia
washington
west-virginia
wisconsin
wyoming
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Frequently Asked Questions

Find answers to commonly asked questions about

Flood Insurance

How fast can I get flood coverage in place?

With EverPeak, you can secure coverage faster than you think. Talk to your agent to see what's needed for your building and location.

Doesn't my property insurance already cover flood damage?

No — flooding is excluded from standard commercial property policies, which is why flood insurance is sold separately. Without it, the cost to repair or rebuild after a flood falls entirely on your business.

Who do I contact if I have a question that isn’t covered here?

Reach out to our customer service team directly at 833.929.0523, or fill out our contact form, and we’ll point you in the right direction.

Let’s get to work

Protect your business, your team and your hard-earned equity today with EverPeak.

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