Private Commercial Flood Insurance

Eligible:

• Available for all U.S. states excluding Alaska and Louisiana
• Pre-FIRM and post-FIRM buildings in eligible NFIP communities within flood zones A&V
• B, X, D (-SFHA) flood zone buildings may be eligible for PCFIP on a case-by-case basis

Not eligible for PCFIP:

• Buildings partially or fully over water, buildings not walled and roofed or under construction
• Buildings in areas defined in the Coastal Barrier Resource Act or on islands/barrier islands
• Severe Repetitive Loss (SRL) properties
• Buildings with two or more claims

Unlike many private flood products on the market today, Assurant Flood offers coverage for both pre-FIRM and post-FIRM properties. This includes pre-FIRM properties with an elevation of -1 or higher.

If desired, proprietary Assurant geospatial technology can be used to determine the elevation difference on commercial properties as part of enrollment.

FlexCash is a patented discretionary payout of up to $10,000 designed to help policyholders with coverage gaps when they’re faced with flood losses.

Offered as an add-on to our commercial product, FlexCash allows eligible policyholders to receive funds quickly once the flood event has been verified with color photographs.