Flooding causes significant property damage each year. Every business should consider the potential for flood and take appropriate action, even in “low risk” flood zones.

To help protect your business against flooding, keep the following tips in mind:


  • Have a flood emergency plan in place.
  • Identify key personnel to assist with your plan and assign important tasks to be handled before, during, and after the flood.
  • Make sure everyone’s contact information is current because communication during a flood event is critical.


  • Keep a supply of sandbags or other water diversion devices on hand.
  • Remove critical equipment or move it to higher floors of the building.
  • Purchase portable pumps and electrical generators to help you begin recovery efforts as soon as your building is deemed safe to re-enter.
  • Relocate vehicles and mobile equipment to higher ground.

Take Preventative Measures

  • Check sump pumps for proper operations and install battery backup units for the pumps because power supplies are often affected during flood events.
  • Check your building(s) ahead of time and repair anything that needs attention.
  • Check gutters and downspouts to assure water is channeled away from your building.

Use Available Resources


NOTICE: This information is provided solely as an insurance risk management tool.  It is provided with the understanding that the member insurance companies of the Utica National Insurance Group are not providing legal advice, risk management advice, or any other professional services or advice. Utica National shall have no liability to any person or entity with respect to any loss or damages alleged to have been caused, directly or indirectly, by the use of this information. You are encouraged to consult an attorney or other professional for advice on these issues.