ISO has developed a form and manual for commercial flood insurance policies. (Photo: Shutterstock)

Although most people think of flood insurance in connection with residential properties, after Superstorm Sandy in 2012 and the 2017 hurricane season, it’s quickly becoming clear that commercial properties need protection too. Flooding affects more properties than fire each year and is the most common natural disaster in the country, with 98% of U.S. counties susceptible.

According to Christine G. Barlow, CPCU, author of the “Commercial Flood Insurance Coverage Guide,” the ISO policy provides an alternative to the National Flood Insurance Program (NFIP) for commercial property owners and occupants. The NFIP program, which is set to expire on July 31, has a Dwelling policy for homeowners, renters or owners of residential buildings with one to four units.

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Rosalie Donlon

Rosalie Donlon is the editor in chief of ALM's insurance and tax publications, including NU Property & Casualty magazine and NU You can contact her at [email protected]

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