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. 

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.