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    Primary & Excess Flood Quoting

    All carriers are A.M. Best rated A or higher. Not all business will qualify. The Underwriting and Coverage options below are a general summary. Coverage may vary depending on the state and risk. Please contact your Account Executive for details specific to your risk.

    Click on the Products Below


    Flood - Online Rating

    Product Advantages

        • Available in all 50 states
        • Replacement Cost coverage for building & contents
        • Ability to schedule multiple locations into one policy
        • Competitive with NFIP pricing
        • Waiting Periods:
          • No waiting period for mortgage loan closings
          • 7 days waiting period in respect of Coastal risks (Tier 1 &2)
          • 14 day waiting period for inland risk

    Available Limits:

        • Building & Contents combined up to $5,000,000 for Primary
        • Business Income/Rental Value – up to $500,000 per occurrence (14 day waiting period applies)
        • Excess – $45,000,000 over all interests per risk (additional limits available upon request)

    Eligibile Risks

        • Primary & Secondary Residential
        • Condos, Apartments, & Multi-Family
        • Commercial Properties

    Ineligible Risks

        • Properties located in a community currently in an Emergency Program
        • Mobile Homes
        • Medical Equipment
        • Perishable Goods, including food and drinks
        • Business Income and/or Rental Value only coverage

    Submission Requirements

        • NFIP/Acord application or renewing NFIP declaration page
        • Elevation Certificate needed for Post Firm A or V zones to bind coverage
        • Excel SOV for multiple locations
        • Confirmation of no prior flood losses

    Excess Flood - Online Rating

    To register for the online rater, please click on your Account Executive and follow the link:

    Ananka Willocks
    Paula Sanchez
    Mackenzie Harrington
    Richelle Ingram
    Robyn Staton
    Courtney Rigg

    Available in all 50 states

    Eligible Properties

    • Residential Dwelling (1-4 Family)
    • Apartments, Multi-Family
    • Condominiums
    • Commercial properties


    Submit for Rating

    • Properties with Negative Elevations
    • Contents and/or Loss of Income Only risks
    • Properties located in V zones
    • Building with TIV in excess of $50 Million all coverages combined
    • Construction risks over 15 months
    • Risks where contents and/or business income values exceeds 50% of the TIV
    • Risks with any prior flood losses


    Limits Available Per Occurrence

    • $15,000,000 all coverages combined (higher limits available on a submit for rating basis)


    Coverages Available

    • Real Property
    • Contents – household or business contents
    • Loss of Income – net business income or loss of rent


    Minimum Earned Premiums: (Greater Of)

    • Residential Dwellings (Primary and Secondary): $500 or 50% of Gross Written Premium
    • Apartments, Condos, Commercial Properties: $1,000 or 50% of Gross Written Premium



    • Properties built on stilts over water
    • Mobile, Manufactured and prefabricated buildings
    • Soft costs in respect of construction risks
    • Medical Equipment
    • Food stuffs and perishable goods
    • Contents not covered under an NFIP Policy located in basements
    • Coastal Barrier Resource Act (CBRA Zones) or Non-NFIP Participating communities