FLOOD
State of the art flood placements for your simple and complex commercial and residential risks across the United States. We look to deliver optimal flood insurance solutions to you, every time, so that you can be confident that your clients are placed in the best available program.
Key Highlights:
- Fast Turnaround: 24 hour response time on rush submissions
- Small commercial and Middle Market focused Mono-line Flood Program
Residential also available - No Minimum Premium by layer, can quote as low as $2,500 Annual Premiums
- We like small accounts, but can also consider large accounts
- We don’t love basements, but can look at them
- Primary Program: Lloyd’s Paper AM Best A XV
- Excess Program: Lloyd’s Paper, AM Best A XV Wholesaler to File Taxes
- Available in 50 States
- Available in All Flood Zones, Conservative in Cat exposed areas
- Main Exposure basis Real Estate, Condo’s, LRO, Apartments, Other business operations can be considered IE Manufacturing, Distribution, etc. Online Portal Available to quote it yourself, however, we accept emailed submissions if preferred
EXCESS FLOOD
Small Commercial/Middle Market
- $5M Capacity
- Layers Available, $5M XS NFIP, or Greater($5M XS $1M, $5M XS $5M, $5M XS $10M, $5M XS 15M, $5M XS 20M, etc)
- Quota Share Available At layers above $500K attachment($5M P/O $10M, $5M P/O $15M, etc)
- Coverages Building, Contents, Business Interruption
- Prefer higher excess when BI exposure present, Conservative from a BI perspective
- Basements can be considered
Catastrophe prone geographies, we are somewhat conservative, IE Barrier islands, FL, TX, LA etc.
PRIMARY FLOOD
Small Commercial
- $2M Single Structure Limit (typically building value less than $5M)
- $3.5M Multiple Structure Limit (typical total single site building values less than $25M, or Less than 10 Buildings)
- Conservative approach to Business Income on Primary Capacity
- Basements can be considered
- Catastrophe prone geographies, we are somewhat conservative, IE Barrier islands, FL, TX, LA etc.
Our Products
Lead/Primary
Offering primary layers with limits generally written up to $5M, with ability to go as high as $25M for selected risks. Programs can include coverages equal to those offered by the NFIP with availability of numerous coverage enhancements.
Excess Flood
Excess flood programs written over private carriers as well as the NFIP with ability to insure the entire Total Insured Value.
