Commercial Lines Private Primary Flood

Specialty Perils: Wind/Hail, Flood InsuranceTime and time again, flooding has proven to be the most destructive natural disaster. According to the Federal Emergency Management Agency (FEMA), just 1 inch of water can cause $27,000 or more in damages to your property. Combine that with the average commercial flood claim costing $90,000, and it is no secret how crucial it is for your insured to acquire the proper flood coverage for their commercial property.

Orchid solutions offer broader coverage accepted by the Small Business Administration in multiple flood markets. As an alternative to the National Flood Insurance Program, we give you access to A.M. Best A- or better rated carriers to quote private flood insurance for your insureds within minutes. Fast and efficient. The First Choice is Orchid.

Market #1

Product Highlights

  • Building and content coverage options
  • Business interruption coverage
  • Instant quote in under two minutes
  • Option to include Contents coverage only for renters


  • Building coverage up to $2,000,000
  • Content coverage up to $500,000
  • Business Interruption up to $25,000 available
  • No Elevation Certificate (EC) required
  • No waiting period on real estate closing (otherwise 10 days)
  • Deductible options ranging from $1,250 to $25,000

Market #2

Product Highlights

  • Ability to schedule multiple locations on to one policy
  • Additional limits provided for improvements and betterments
  • Replacement cost coverage for building & contents


  • Combined Building & Contents Limit up to $5,000,000
  • Business Income Limits of Liability: $500,000
  • Eligible properties include primary & secondary residential, commercial properties, apartments, multi-family dwellings and condominiums
  • Minimum deductible: $2,500 per occurrence for buildings, $2,500 per occurrence for contents

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