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Flood Insurance - Hartford, WI

Protect your business from destructive events.

Flood insurance throughout Southeastern Wisconsin, including Hartford, Slinger, Richfield, West Bend, Rubicon, Iron Ridge, Neosho, Hustisford, and Theresa.

At least 25 percent of businesses that close after destructive events such as floods never reopen. We’ll design a policy that will protect your business, as well as its physical contents and assets, from the damage costs that come from floodwater.

As with homeowners insurance policies, many business owners don’t realize that their commercial property insurance doesn’t necessarily cover flooding.

Suffering a flood can wipe out a business, because it’s not just a matter of replacing damaged equipment and repairing buildings, but also the sheer time it takes, during which the facilities can’t be used.

In some cases, flood insurance policies don’t take effect until after a 30-day waiting period, so it’s not smart to wait until heavy rain is forecasted in your business’ location.

Additionally, it’s important to note that with commercial properties, sudden excessive rainfall isn’t necessarily the biggest flood risk. You must also factor in drains getting clogged, which can turn a normal rainfall or snow storm into an unexpected catastrophic event.

As a business owner, you’ll need to look at both commercial flood insurance offered through the federal National Flood Insurance Program (NFIP) and commercial flood insurance coverage from non-NFIP policies.

The two big advantages of non-NFIP policies are that they can pay out full replacement costs (whereas NFIP payments account for depreciation), and they can include coverage for loss of business during the rebuilding phase (loss of business is not covered by NFIP).

Whether your business is located in an area of common flooding or not, commercial flood insurance is worth exploring. Contact our insurance experts, and we can help you get started.

Let’s discuss your business flood insurance.

One of our insurance advisors will reach out to you to review your information and present you with the appropriate flood insurance solution. There’s no obligation, just good-old-fashioned advice.
  • This information is not an offer to sell insurance. Insurance coverage cannot be bound or changed via submission of this online form/application, e-mail, voice mail or facsimile. No binder, insurance policy, change, addition and/or deletion to insurance coverage goes into effect unless and until confirmed directly with a licensed agent. Note any proposal of insurance we may present to you will be based upon the values developed and exposures to loss disclosed to us on this online form/application and/or in communications with us. All coverage's are subject to the terms, conditions and exclusions of the actual policy issued. Not all policies or coverage's are available in every state. Please contact our office at 800-414-5875 to discuss specific coverage details and your insurance needs. In order to protect your privacy, please do not send us your confidential personal information by unprotected email. Instead, discuss that personal information with us by phone or send by fax. Statements on this website as to policies and coverages and other content provide general information only and we provide no warranty as to their accuracy. Clients should consult with their licensed agent as to how these coverage's pertain to their individual situation. Any hypertext links to other sites or vendors are provided as a convenience only. We have no control over those sites or vendors and cannot, therefore, endorse nor guarantee the accuracy of any information provided by those sites or the services provided by those vendors. Information provided on this website does not constitute professional advice. If you have legal, tax or financial planning questions, you need to contact a qualified professional.
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R.S. Semler Insurance Affiliate of Robertson Ryan Insurance offers comprehensive flood insurance throughout Southeastern Wisconsin, including Hartford, Slinger, Rubicon, Jackson, Richfield, Oconomowoc, West Bend, Iron Ridge, Horicon, Neosho, Germantown, Hubertus, Kewaskum, West Allis, Milwaukee, Menomonee Falls, Hartland, Allenton, Jackson, Hustisford and Ashippun.
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