Flood Insurance

Flood Insurance - Optometric Protector Plan

Alarming statistics about flood waters, business interruption and business closures has prompted OPP to offer vital flood insurance protection to insureds (clients).

3 alarming statistics that every business owner should know

  • Almost 40% of small businesses never reopen their doors after a flood disaster.
  • Floods happen everywhere. 25% of all flood damage occurs in low-moderate flood risk areas. Business owners should not rely on a line on a flood map for protection.
  • Most business insurance policies exclude flood damage. Only flood insurance pays qualified claims quicklyso a business owner can get back to business.

Why You Need Flood Insurance

  • Floods happen everywhere – in all 50 states and in your neighborhood.
  • Common causes of flooding include: tropical storms, rapid rainfall, spring snowmelt, changing weather patterns, clogged rainwater systems, new building development, even drought or wildfire conditions.
  • Your business policy does not cover flood damage.
  • Government assistance is only available in less than half of all floods, and it usually comes in the form of a loan–repayable with interest.


Generally, there is a 30-day waiting period from the receipt of premium until the policy goes into effect. Contact us today for more information on how to protect yourself from rising waters.

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In fact, almost 25% of actual flood claims come from low to moderate risk areas.  Floods happen in all 50 states and 40% of all businesses closed by a flood will never re-open—don’t let it be yours.
Levees are build to manage expected levels of runoff—but records show that rivers crest at higher levels than ever anticipated.
Commercial policies usually do not cover flood loss. NOW is the time to re-think your flood insurance decisions.
You can’t afford to risk your income and your future because you declined to purchase proper coverage. The average commercial preferred risk policy costs approximately $1,500, and could provide the advantage you need to get up and running after a flood.