Structural Damage

Covers repairs or rebuilding of your home or business’s structure caused by floodwaters, ensuring the stability and safety of your property. This includes coverage for walls, floors, and foundation repairs to restore your home to its pre-flood condition.

Contents Coverage

Covers your personal and business possessions exposed to a flood, helping you recover without significant financial setbacks.

For businesses, this includes coverage for lost income and operating expenses if your business is temporarily closed due to flooding.

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Emergency Services

This covers the costs related to quick response support for emergency measures and temporary repairs to prevent further damage.

Furnace, Water Heater, and Central Air-Conditioning

Provides coverage for damage to essential systems within your home, including the furnace, water heater, and central air-conditioning, ensuring they are repaired or replaced. This helps maintain the comfort and livability of your home after a flood.

Flood Debris Clean-Up

Covers the costs associated with cleaning up debris left behind by flooding, helping to restore your property to its original condition. This includes the removal of mud and other debris that can cause further damage and health hazards.

Electrical and Plumbing Systems

This policy offers coverage for repairs to electrical and plumbing systems damaged by floodwaters, ensuring these critical systems are functional and safe. This includes replacing damaged wiring, outlets, and pipes to prevent future issues.

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Insights

January 17, 2025

Best Practices for Condo Boards in 2025

It’s a bright morning at your condo association’s annual meeting, and the board is discussing the upcoming budget. Everything seems in order until someone brings up the unexpected: a slip-and-fall lawsuit filed by a visitor in the common area. The board scrambles to review its insurance coverage. Does the master policy cover this? What about […]

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January 17, 2025

Evolving Liability Risks: What Businesses Need to Know in 2025

Imagine this: You’re the CEO of a thriving tech company. Your AI-driven software just won a prestigious award for innovation, and your team celebrates its growing impact in the market. But weeks later, a lawsuit lands on your desk. The allegation? Bias in your algorithm led to discriminatory outcomes for users, and now your company […]

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January 17, 2025

Top Employee Benefits Questions for 2025: Expert Answers to the Biggest Challenges

Employee benefits are at the core of attracting and retaining top talent for businesses of all sizes. From new compliance regulations to shifting workforce priorities, employers face challenges in designing effective benefits programs. To help you navigate these changes, we’ve asked our Employee Benefits team to share their insight into some of the most pressing […]

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January 17, 2025

Making the Switch: Transitioning from Fully Insured to Self-Funded Health Plans

As businesses look for innovative ways to manage rising healthcare costs and offer competitive benefits, many are transitioning from fully insured health plans to self-funded models. Self-funding allows employers to take greater control over their benefits program, customize coverage, and potentially reduce expenses. However, this shift also comes with its share of challenges. If you’re […]

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January 17, 2025

Planning for the Unexpected: Umbrella Insurance and Excess Liability Coverage

For high-net-worth individuals (HNWIs), managing financial risk extends far beyond insuring homes and vehicles. With substantial assets, multiple properties, and a public lifestyle, the potential for liability exposure increases significantly. One costly lawsuit or accident could jeopardize the wealth you’ve worked hard to build. Umbrella insurance and excess liability coverage offer a safety net, providing […]

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January 17, 2025

Safeguarding Recreational Lifestyles: Insuring Yachts, Jets, and Exotic Cars

Imagine this: a serene day on your yacht suddenly disrupted by an accidental collision at the marina, a private jet grounded due to an unexpected mechanical failure, or an exotic car involved in a minor mishap requiring specialized repairs. For high-net-worth individuals, these assets symbolize much more than luxury—they’re milestones of success, passions brought to […]

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Ready to Secure Your Property?

Don’t let the next storm catch you unprepared. Get a free, no-obligation quote today and discover how we can help protect your home and business in the event of a flood.

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