Private Commercial Flood Insurance

Industry-leading flood insurance.

Our private commercial flood product was strategically engineered to provide higher coverage, stronger competitive advantages and a better customer experience than other flood insurance products on the market. The result includes:

  • 20% savings, on average, for eligible properties
  • FlexCash: optional add-on for up to $10,000 in discretionary funds paid before a claim is processed
  • Building coverage limit: $1,000,000
  • Replacement Cost Endorsement-Building and Contents
  • Contents coverage limit: $500,000
  • Elevation certificate optional; proprietary Assurant geospatial technology can be used to determine the elevation difference

Eligibility Criteria

  • Post FIRM and Pre-FIRM buildings in eligible NFIP communities within flood zones A&V are eligible for PCFIP.
  • B, X, D (-SFHA) flood zone buildings maybe eligible for PCFIP on a case by case basis.
  • Buildings located in areas defined within the Coastal Barrier Resource Act or buildings on islands/barrier islands are not eligible for PCFIP.
  • Buildings partially or fully over water, buildings not walled and roofed or under construction are not eligible PCFIP.
  • Severe Repetitive loss (SRL) properties as defined by FEMA are not eligible for PCFIP.
  • Buildings with two or more claims are not eligible for PCFIP.