Location: 7 S. Warren Street, Dover, New Jersey

Business Flood Insurance New Jersey

Businesses in New Jersey need flood insurance just as much as commercial property and liability insurance.  Many areas of NJ are prone to flooding. We can provide business flood insurance for NJ and commercial flood insurance in New Jersey both through the National Flood Program (NFIP) and through another excellent competitive program called Natural Catastrophe Insurance Program (also know as) CatCoverage.  Flood coverage can be written for all types of commercial or business buildings and their contents.

Many people insure only their building structures from flood catastrophy, however the contents of a business or commercial property can be large which need protection from a flood.

Policies that are issued by the National Flood Program are limited to $500,000. for both building and contents (business personal property).  We have the ability to insure either building or contens easily up to $5,000,000.  (5 million) and sometimes up to 10 million.  We have an alternative plan.  It is generally more competitive and provides better protection.  Their definition of a flood is more liberal than the NFIP.  It is accepted by all lending institutions. It provides coverage from not only flood but earthquake, landslides and mudslides.flooded city

It is more competitive for the following reasons:

  • No elevation / flood survey is needed (this saves $300. to $1,000.)
  • It does not use flood zones
  • Coverage is more comprehensive


If you are seeking new coverage or currently have flood insurance you should call us now and compare the National Flood Insurance Program with National Catastrophe Program. You may be able to save a great deal of money and also obtain more coverage.  Don’t shop for flood insurance just for price, but for coverage.  Remember, real estate is most people’s biggest and important investment.  Protect it!  Please see our EXCESS FLOOD COVERAGE page.

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GET A QUOTE: Complete our FLOOD SURVEY FORM.  You can complete it online and automatically email it to us or, print it out so that you can fax it to us.

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An example of saving provided:

September 2007 – by rewriting a National Flood Policy to the InsureCat program this agency saved the customer over $40,000 on a commercial policy!

June 2009 – Pequannock NJ.  Flood insurance through the NFIP $19,850.  Through CatCoverage $2,119. which provides better coverage!

Do You Desire Flood Insurance From Franchino Insurance?

Here’s what we need to provide a quotation:

  • Lot and block number
  • Amount of coverage provided by your homeowners policy
  • If there is an existing policy, name of the insurance company, policy number and expiration date
  • If there was formerly flood coverage, we will need information from the former policy – have that policy ready
  • Year the building was constructed – the exact date if possible
  • A copy of your current policy would be most appreciated

Further Flood Insurance Information

We have further information regarding flood insurance on the following pages: