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Flood Insurance

Flood insurance provides protection for destruction and financial devastation caused by floods. It may not seem like much even a few inches of water can cause serious damage; resulting in thousands of dollars in repair and restoration costs. Homeowners insurance does not cover floods. Purchasing a flood insurance policy through Downey Insurance Agency can protect you. Although it may not seem as necessary as homeowners insurance, flood insurance is important if you want to keep your home safe and your possessions secure. Flood coverage offers protection against losses that result from heavy and lengthy rain falls, storm surges, blocked storm drainage systems, snow melts, etc. Different types of policies are available based on your property’s location and flood history: – Standard Flood Insurance Policies If you live in a community that participates in the NFIP, your building and its contents can be covered by a standard flood insurance policy. The National Flood Insurance Program (NFIP) was established by the Federal Government to help communities who “voluntarily participate in the NFIP by adopting and enforcing floodplain management ordinances to reduce future flood damage.” To be considered a flood, the waters must cover at least two acres or affect at least two properties. You must apply for building coverage and contents coverage separately if you choose to invest in a standard flood insurance policy. – Preferred Risk Flood Insurance Policies If your home or business is in a low or moderate risk zone, your building may qualify for a low-cost preferred risk policy. While you aren’t required to purchase flood insurance in low-to-moderate risk areas, a preferred risk policy will protect your home and its contents if you are affected by a small flood or a larger flood that has extended into your low-risk area. In truth, many flood insurance claims occur in low-to-moderate risk areas. Don’t wait until it’s too late. Contacting Downey Insurance Agency today will get you on the path to flood protection with an affordable and comprehensive insurance policy.

Location

Marlboro, MA

190 East Main St.

Marlboro, MA 01752

(888) 875-7539

info@downeyinsurance.com

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Business is unpredictable. But buying business insurance doesn’t have to be.

As your trusted choice for Massachusetts insurance, we know that customizing a specific Massachusetts business insurance package, to fit your specific operating needs, is no easy feat.

With a variety of coverage options and state laws to abide by, you need someone with superior insurance knowledge and expertise to help you secure the most effective large or small business insurance plan for your Massachusetts, and New England coverage needs!

Generally speaking, the goal of doing business is to maximize profits, while continuing to lessen overall costs. This however requires making strategic plans that account for anticipated expenses as well as outline actions for accurately reinvesting the profits.

Keeping costs at an acceptable level involves securing comprehensive business insurance. At Downey Insurance Agency we have worked hard to build quite a name for ourselves and our superior business insurance strategies.

In our effort to best serve you, we have developed both large and small business insurance solutions that strategically balance your distinct needs, and operating requirements—while also helping to reduce the financial impact of unexpected losses like natural disasters, lawsuits, employee injuries, and more.

As a local New England business owner, how can you determine what you need out of your business insurance? Specific state regulations will determine basic coverage requirements; among the common policies are commercial insurance and workers compensation.

All in all, typical large or small business insurance packages can include a custom combination of these following coverage options:

  • Business Owners Policies (BOP)
  • Worker’s Compensation
  • General Liability Insurance
  • Errors & Omissions
  • Commercial Auto
  • Commercial Property
  • Group Benefits
  • Professional Liability

At Downey Insurance Agency, we understand the importance of having budget-friendly – yet complete – coverage in place, no matter how big or small your business enterprise may be. We take pride in the ability to identify the required state policies and suggest the most effective and affordable insurance solutions for your business venture.

Feel free to give us a call; we’d love to provide you with more information regarding commercial insurance, workers compensation and so much more! Contact Downey Insurance Agency right now to get a free coverage review and large or small business insurance quote— let us help you better protect your business venture today!

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