There are general exceptions to certain disasters that won’t cover floods, earthquakes and acts of terrorism in both home and business insurance. But saying that doesn’t mean that you cannot get protection from such events which may be purchased as options added to your basic policy. For floods, check with government and bank if the area where your business is located or to be located has been subject to floods, be sure to ask your insurance agent of such eventualities or contact the National Flood Insurance Program for more information. There are special building codes that have to be applied to areas considered to be on a floodplain that dictates any building or structure that sustains more than 50% in damage must be torn down.