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Providing A Solution

We are here to help you fill the gaps in your agency. We know that you already work with great carriers, but may not have access to the specialty carriers that your clients may need. We are always looking for new carriers and products, taking the leg work out of the equation. Oh, and don;t worry, there is no pressure. Use us as much or as little as you please.

Why Flow
Become Appointed

Private Flood

Our commercial & residential private flood insurance markets offer much lower premiums than the NFIP, with some offering more comprehensive coverage. We can write all risks in all zones with no elevation certificate requirement.

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Work Comp

Flow works with 4 carriers that cover a wide range of acceptable classes. Pricing is extremely competitive and there are flexible billing options. New in business, short lapses, and up to 1.39 mods are all acceptable!


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Commercial Auto

Flow can write from single auto risks to large fleets. Pricing is very competitive and a broad class of vehicles are within appetite.




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Private Client

The Private Client division of Flow can write up to $8,000,000 coverage A with optional guaranteed replacement cost loss settlement. Autos can also be endorsed with an agreed value loss settlement option. Our markets offer extremely competitive pricing with flexible underwriting.




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Preferred Commercial Property

Flow has a wide appetite for preferred commercial property. Apartment buildings, HOA’s, shopping centers, retail, office buildings & industrial buildings are a  few of that classes in which we excel.
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Residential Earthquake

Flow has partnered with 2 residential earthquake carriers that offer flexible terms with competitive pricing.
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Real Estate Investor Portfolio

Schedule multiple residential properties and commercial onto the same policy. One policy, one bill, more convenience for you and your clients.
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