Commercial Flood Insurance

Leading-Industry Commercial Flood Insurance Solutions

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.

Elevation certificate optional; proprietary Assurant geospatial technology can be used to determine the elevation difference

An average 20% savings for eligible properties

Up to $10,000 in discretionary funds paid before a claim is processed

$1M commercial building coverage limit

$500K contents coverage limit

Eligibility Criteria

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


    • ~25% savings when compared to NFIP
    • Damage to common areas due to riots covered to a maximum of $5,000
    • Actual cash value of commonly owned contents to a maximum of $150,000
    • Customization's available on a case-by-case basis
    • Up to replacement cost or the total number of units x $300,000 (whichever is less)
    • Easy quoting and binding processing

    Flood Industry Expert Insights

    Choosing NFIP vs. Private Flood

    As NFIP reforms are continuously debated, there have been short-term lapses in the NFIP during government shutdowns and among widespread uncertainty in the market around the program’s future.

    In response, the private flood market has grown an estimated 25-30% during the last year.

    Read more how to determine the right mix for your business.

    Assurant Flood Product Spotlight: FlexCash

    Offer customers a discretionary payout of up to $10,000 to help with coverage gaps.

    Retaining PRPs at Annual Renewal

    Over 65% of preferred risk policies (PRPs) drop at the first annual renewal.

    Ready to talk to a flood expert?