Does business insurance cover flood damage in Tennessee? 

Not under a standard commercial property policy. Flood damage requires a separate flood policy. The National Flood Insurance Program covers businesses in participating communities, and private flood options also exist. Most new flood policies include a 30-day waiting period, so buy coverage before storm season, not during it.

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.