Keep your business safe from unexpected flood damage

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Flood insurance that protects your business and bottom line

Flooding is one of the most costly disasters for businesses, and standard commercial property insurance won’t cover it. At Thill-Demerly Insurance Agency, we specialize in commercial flood insurance, offering policies from 20+ providers. Whether your business is in a high-risk flood zone or you want added protection, we’ll find the right coverage for you.

Flood protection designed for commercial properties

Building Coverage

Protects your business property from structural flood damage and repairs.

Contents & Equipment

Covers inventory, machinery, and furniture damaged by flooding.

Business Interruption

Helps replace lost income if flooding forces your business to close temporarily.

A flood can shut down your business, but the right coverage keeps you moving forward.

Why businesses trust Thill-Demerly for flood insurance

Industry-leading expertise

We specialize in commercial flood coverage and risk assessment.

20+ insurance providers

More choices mean better coverage and competitive rates.

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Covers more risks

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Protection for buildings, equipment, and lost revenue.

Faster claims support

Get back to business quickly after flood damage.

NFIP & private policies

Options for government-backed and expanded private coverage.

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Available in multiple states

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Serving businesses in New York, North Carolina, and Florida.

Common questions about commercial flood insurance

  • Why isn’t flood damage covered by commercial property insurance?

    Standard business property insurance excludes flood-related damage, making separate flood insurance essential for financial protection. Without it, businesses face costly repairs and losses after a flood.

  • What’s the difference between NFIP and private flood insurance?

    NFIP (National Flood Insurance Program) policies provide government-backed coverage with set limits. Private flood insurance offers higher coverage limits and additional benefits. We help businesses choose the best option for their needs.

  • How much does commercial flood insurance cost?

    Pricing depends on location, building type, and risk level. We work with multiple carriers to find affordable rates and ensure your business has the right level of protection.

  • Is flood insurance required for my business?

    If your business is in a high-risk flood zone and has a federally backed mortgage, flood insurance is required. Even if it’s not mandatory, coverage is strongly recommended for financial security.

  • Why choose Thill-Demerly for flood insurance?

    Flood insurance is our specialty. We help businesses secure comprehensive, cost-effective policies while navigating the complexities of NFIP and private insurance options. Our expertise ensures you get the protection you need with a seamless experience.