Photo of a colorful row of brownstone buildings in Boston

BROAD FORM WATER DAMAGE COVERAGE

Provides building and business owners with additional coverage for property losses caused by certain types of water damage.

The Andover Companies Broad Form Water Damage Coverage offers expanded protection against water damage losses and may assist commercial property owners with the financial liability associated with recovering from these costly events.

Photo of flood and water damage in a public area

BROAD FORM WATER DAMAGE COVERAGE HIGHLIGHTS

This important coverage can be added through a variety of optional endorsements that are available to building and business owners.

Broad Form Water Damage Coverage typically provides protection against losses to a commercial building, up to the limits specified in the policy and minus the policy deductible, if damage is caused by the following types of events:

  • Water Backs Up through a Sewer or Drain
  • Water Originating from Below the Surface of the Ground Flows, Seeps, or Leaks into the Building, Foundation, or Other Opening

DO YOU STILL NEED A COMMERCIAL FLOOD INSURANCE POLICY?

Even if you have Broad Form Water Damage Coverage, securing a separate Flood Insurance policy is essential. Flood Insurance typically covers property losses that are generally not found in any other endorsements, including damages that occur due to the following types of waters entering a building from the outside:

  • Surface Water
  • Waves, Tidal Water, or Tidal Wave
  • Overflow of Streams or Other Bodies of Water

Reach out to one of the independent insurance agencies in our network for assistance adding this essential policy to your businessowners insurance plan.

Building Close Relationships, Close to Home
with the Agents We Serve and People We Insure

“I feel comfortable having my insurance with The Andover Companies. I know that if something terrible happens, they will be there to support my family and guide us through the process. Insurance can be confusing, especially when you have multiple policies, but they have simplified the details so we can understand everything easily!”

Bianca and Ray L.
Homeowners

“The Andover Companies service team is professional, personable, and extremely helpful. We’ve had our homeowners insurance with The Andover Companies for over six years and are happy to have recently added our secondary home with them in another New England state. I highly recommend insuring with them.”

Craig G.
Homeowner

“You can truly understand the value of your home insurance when you have a claim. My husband and I experienced firsthand how easy it was to work with The Andover Companies. A tree fell on our property, blocking the driveway. We submitted a claim with Andover and within days had a check in hand to reimburse us for the tree removal. The process was seamless.”

Lisa and Ted R.
Homeowners

EXPERIENCE THE DIFFERENCE WORKING WITH AN INDEPENDENT insurance AGENT CAN MAKE.

Step 1:

Click on the Find an Agent button to search for independent insurance agencies near you.

Step 2:

Contact the independent insurance agency you would like to work with by phone or email.

Step 3:

Leave it up to your agent to uncover the best coverage solutions for your valuable property.