New Flood Insurance Tool Available in Pennsylvania

With April showers on the way, it is worth noting although flood and sewer back-up is excluded under most standard commercial property policies, both coverages can be added by endorsement. Depending upon the flood zone identified on the property, coverage is available on a primary basis through a number of carriers.

In instances where property is located within a flood zone, coverage is often limited to what is available through the National Flood Insurance Program and a few private insurers. When used in coordination with private insurance, NFIP coverage can mitigate or “buy down” large deductibles associated with commercial flood policies or provide additional coverage.

New Flood Insurance Tool

For Pennsylvania homeowners and renters, the state’s Insurance Department has added a new flood insurance tool, a “one-stop shop” webpage, to make information on private market flood insurance more accessible. To access the new flood insurance tool go to and click on “Flood” after scrolling down the “Coverage” navigation bar. The page lists flood coverage available to Pennsylvania homeowners and renters.  Pennsylvania is in the Top 10 in the number of rivers and creeks in the United States. Your business maybe in a flood zone and you may not recognize the hazard.

Please contact your KMRD Partners relationship manager to learn more about your firm’s risk profile from flooding and sewer back-ups, and to discuss if your present insurance coverage will protect your firm one minute from normal.

Any business interruption coverage your organization carries will mirror what is covered in your main business property policy. If flood coverage is not included, you won’t be covered for business interruption either. 

For more information on Flood Insurance, click here.

KMRD reduces the overall cost of risk for clients by producing a greater value for each insurance dollar spent, while utilizing an enterprise risk management approach to engineer the optimal solution. The firm’s diagnostic process is supported by its unique collaborative technology, KMRD XCHANGE ®

We are dedicated to anticipating risk and helping firms recover from unplanned events that wait on the other side of one minute from normal.

To identify and correct coverage and service gaps in your business insurance risk profiles contact us at before one minute from normal strikes.

Please feel free to share this e-mail with anyone who may find it to be useful.


Got a Problem? We'd Love to Solve It!

Contact Us