{"id":95,"date":"2022-09-16T04:00:00","date_gmt":"2022-09-16T10:00:00","guid":{"rendered":"https:\/\/www.smollerinsurance.com\/blog\/?p=95"},"modified":"2022-09-18T19:33:45","modified_gmt":"2022-09-19T01:33:45","slug":"how-much-flood-insurance-should-i-carry-when-i-have-a-home-based-business","status":"publish","type":"post","link":"https:\/\/www.smollerinsurance.com\/blog\/how-much-flood-insurance-should-i-carry-when-i-have-a-home-based-business\/","title":{"rendered":"How Much Flood Insurance Should I Carry When I Have a Home-Based Business?"},"content":{"rendered":"<p>At&nbsp;Smoller Insurance Agency in Boston, MA, we provide competitive flood insurance quotes to help keep your home-based business running.&nbsp;<\/p>\n<h2>Here are some facts that you need to know:<\/h2>\n<h3>Historical Flooding&nbsp;Near Newton and Boston, MA<\/h3>\n<p>According to the National Weather Service, the Boston and Newton region has seen nearly 15 inches of historical precipitation in a month, flooding&nbsp;many ground floor and basement offices and homes. Moreover, business disruptions due to power outages and equipment damage cost the city&nbsp;of Newton and the Boston area&nbsp;$75 million&nbsp;during flooding in 2010. But flooding does not have to be deep or extensive to be expensive.<\/p>\n<h3>Flood Damage and Business Disruption<\/h3>\n<p>Zakia Sultana and others at the&nbsp;GFZ German Research Centre for Geosciences define business disruption as lost income caused by&nbsp;the inability to provide or receive services, economic output, or profit. For example, a flood may cause lost inventory and damage your location, but real damage occurs afterward. From delivery delays to supply-chain woes, your business reputation for getting things done right and on time could suffer for months.<\/p>\n<h3>Assessing Your Commercial Flood Insurance Needs<\/h3>\n<p>At Smoller Insurance Agency, we know how crucial getting your business back into operation after flooding can be. And your homeowner&#8217;s policy will not cover flood damage. You need a commercial flood insurance policy if you have a home-based business.&nbsp;We can help you decide how much coverage to buy based on how flood damage could affect your home-based business. For example, a ground-floor home office in a 1932 building could require over $400,000 to replace.<\/p>\n<h3>Get Flood Insurance Today<\/h3>\n<p>Contact us today at Smoller Insurance Agency&nbsp;before the next flood for a free consultation about your commercial flood insurance needs.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>At&nbsp;Smoller Insurance Agency in Boston, MA, we provide competitive flood insurance quotes to help keep your home-based business running.&nbsp; Here are some facts that you need to know: Historical Flooding&nbsp;Near Newton and Boston, MA According to the National Weather Service, the Boston and Newton region has seen nearly 15 inches of historical precipitation in a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[13,14],"class_list":["post-95","post","type-post","status-publish","format-standard","hentry","category-flood-insurance","tag-boston-ma","tag-smoller-insurance-agency"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.9 - aioseo.com -->\n\t<meta name=\"description\" content=\"At Smoller Insurance Agency in Boston, MA, we provide competitive flood insurance quotes to help keep your home-based business running. 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