Does business insurance in Vermont cover flood damage? 

No. Standard commercial property policies exclude flood, and Vermont’s 2023 and 2024 floods drew five federal disaster declarations. Flood coverage is a separate policy, available mainly through the federal National Flood Insurance Program. Check your flood zone and close that gap before the next high water. 

https://disasterrecovery.vermont.gov

https://www.fema.gov/flood-insurance

By Heather

Heather focuses on small business insurance at Gild Insurance Agency, writing clear, practical guidance that helps business owners understand coverage, manage risk, and protect their businesses.