Finally A Flood Insurance

General Agency

Go With The Flow For Superior Products & Pricing

What We Do

Flood Insurance, And We Do It Well.

  • Private Flood Insurance
  • Excess Flood
  • NFIP FLood
  • RC-BAP's
  • Quote To Issue
  • Submit To Quote

The Biggert-Watters Act opened up the doors for private flood insurance carriers as it created chaos with rapid increases in NFIP rates. A few carriers acted quickly, and took on an incredible amount of market share in a short period of time.  Recently, more and more big name carriers have developed products with broad coverage options and very competitive pricing.


Flow Insurance has relationships with the top private flood insurance carriers, and we always have our eyes out for those coming to the marketplace. Don’t know a great deal about private flood insurance? That’s what we are here for! Simply provide us with the information and we’ll scour our markets for a competitive option for you and your client.

Sometimes we need to get creative. When full limits on a private basis are not avaialable we have several carriers that will write on an excess basis over an existing private flood product or an NFIP policy. Don’t worry about formulating the policy, out underwriters have a deep knowledge of excess flood insurance and can put a policy together a competitive policy set.

There are situations where the NFIP will have the most competitive pricing terms, or they are the only market that will take the risk. The NFIP changes frequently, and can be confusing if you are not a frequent flood insurance writer. Luckily we are on top of the program, and will make sure that you know exactly what information we will need to obtain an NFIP flood insurance quote.

The RCBAP (Residential Condominium Building Association Policy) is an incredible opportunity to earn large premiums for HOA’s that require a master flood policy. Traditionally, these have been offered through the NFIP with higher limits than their standard commercial form. Now, several private carriers have entered the market that are offering more competitive rates and we have access to them. We would love to help you provide your HOA associations with the most competitive quotes available.

You will have access to our commercial and residential quote to issue rater. This tool will allow you to quote in real time, obtain a proposal, issue the policy, and digitally sign documents within the system.

For more complex risks we have a submission portal that allows you to answer questions about building characteristics without the need for acord forms.

Our Promise To You

Unlimited Possibilities

Referral Program

Do you have clients that need flood insurance but you don’t want to deal with it? We can help! Become a referring agent and upon your request we will work with your client from start to finish. We will never cross sell, and you will receive commissions on the transactions. We will cc you on all transactions so that you are in the loop with your client.

Private Flood Suite

You will have access to all of our personal and commercial private flood markets. You will be able to use our real time quote to issue raters, along with our submission suites for more complex commercial and harder to place commercial risk. Don’t worry, you won’t be on your own. We are here to help you learn the products and understand the rating systems.

Full Product Suite

Not only will you have access to our private flood insurance markets, but also our NFIP program. Why our NFIP platform? It’s easy to use, has private flood options built in, and because of volume you will have top tier commission from day one. In addition, you will have our support when you have questions or need help.

How To Get Started


Submit Your Request

Visit our Become Appointed section and submit your info, along with a copy of licenses for the states that you would like to do business with, as well as a certificate of your E&O insurance.


Complete The Paperwork

Once we have your information we will send over the contract for you to review and sign digitally through Docusign. It will automatically come back to us, and you will receive a copy of the executed agreement via email.


Start Quoting!

Once all of the paperwork is taken care of we will send you logins to the agent dashboard section of our website. From here you will have the ability to utilize our quote to issue platform, as well as our submission system if you would like us to scour the markets for you.

You Have Found Your One Stop General Agency For Flood Insurance

It’s easy to get started and there is no commitment. If you have any questions before, we’d love to talk. Just give us a ring and we can explain the products that we have to offer in detail.