Starwind Specialty’s Flood Program was built to solve the real challenges insurance brokers and agent face placing flood insurance by providing clarity and coverage options to help your clients by making informed purchasing decisions no matter the flood zone or property type.

Our program provides solutions for a wide range of businesses. We offer a full suite of coverage options nationwide from AM Best ‘A+’ Rated Carriers.

• Residential properties – both primary and secondary
• Commercial: Small and middle market accounts with TIVs ranging from $1MM to $50MM in value, individual or scheduled
• National franchisees accounts looking to manage multiple locations on a single, reporting form policy
• Commercial habitational (condominiums and apartments)
• Office buildings and real estate
• Hotels and motels
• Retail
• Assisted Living
• Restaurants
• Light manufacturing
• Other occupancies are also eligible

• Primary limits available up to $5,000,000
• Coverage offered in all 50 states
• Additional living expense, loss of rents and loss of income coverage options available
• Improvements & Betterments coverage available
• Replacement Cost coverage available
• Various enhancement endorsements such as basement contents coverage and increased cost of compliance limits
• Ability to schedule multiple locations on one policy for some of our carriers

• Excess limits available up to $20,000,000 all interest combined (higher limits available on referral)
• Coverage offered in all 50 states
• TIVs up to $50,000,000 (higher on a referral basis)
• Loss of rents and loss of income options available
• Coverage available excess the NFIP, another private carrier, or an underlying property sublimit

• Underwriting Expertise – The Starwind FPS team has decades of flood underwriting experience
• State-of-the-art technology that was designed with the agent in mind with ease of use and complete life cycle policy management
• Multiple Capacity/Carrier Partners – Each of our capacity partners have different risk appetites in terms of eligibility driven by risk profile. Having multiple options provides the customer with options to meet their specific needs
• Increased limits and broader coverage enhancements than the NFIP
• Competitive rates and compliance-ready wording
• Instant policy issuance and seamless agency integration

• Flood Supplemental
• Excel SOV (for multiple locations)
• Elevation Certificate (if one is available)
• NFIP Declaration Page (for excess coverage)
• Target premium or expiring premium (if available)