As exposed by Superstorm Sandy and other significant weather events in recent years, flooding can occur in almost any location and to any business. Are you protected?
Flood insurance is not part of any property or liability policy. It is a standalone policy that reacts independently from all other coverage. Whether or not your course is (or is not) in a designated flood zone, consider coverage in anticipation of an unforeseen weather event.
Note: Actual policies must be consulted for specific terms and conditions.