Neptune Flood Insurance

HOW NEPTUNE FLOOD BECAME THE BEST FLOOD INSURANCE PROVIDER
In 2018, Neptune Flood launched to help more efficiently connect consumers to the global insurance markets. Beginning with an innovative flood insurance product and the early stages of what would become a complex Artificial Intelligence engine called Triton, Neptune has helped to provide affordable coverage for thousands of Americans delivered through an intuitive and on-demand platform.

ALL POLICIES RATED A OR BETTER BY AM BEST
Neptune Flood Insurance is backed by some of the largest insurance markets in the world. They are significant players in the U.S. market and are rated “A” (Excellent) or better by A.M. Best. With this financial stability, Neptune feels confident in waterproofing people’s lives day in and day out with high limits and additional coverages.

Flood - Commercial

COMMERCIAL FLOOD INSURANCE Neptune Flood offers Commercial Flood Insurance to small and medium-sized business owners, commercial buildings, and residential condominium buildings (RCBAP). Our private flood insurance policies include all coverages offered by the National Flood Insurance Program (NFIP). Looking for more? Add on Business Interruption or Loss of Rental Income for even more protection. a white outlined Icon of a closed sign with a pink background and curved edges. BUSINESS INTERRUPTION Your business is covered up to $25,000 at a rate of $500 per day for up to 50 days, after a 14-day waiting period. We offer up to $4,000,000 of coverage, far surpassing the $500,000 maximum from the NFIP. a white outlined Icon of a hand holding a bag of money with a pink background and curved edges. LOSS OF RENTAL INCOME Further protect your investment with $500,000 of coverage after a 14-day waiting period.

Flood - Personal

RESIDENTIAL FLOOD INSURANCE WHAT IS PRIVATE FLOOD INSURANCE? The majority of flood coverage in the United States is written by the government. The National Flood Insurance Program (NFIP), established in 1968, offers flood coverage to homeowners, renters, and business owners if the community participates in the program. Up until 2012, banks and mortgage companies could only accept an NFIP policy as flood coverage. With the passing of the Biggert-Waters Flood Insurance Reform Act in 2012, private flood insurance companies were able to enter the market and offer alternatives to the government program, creating greater coverage options at competitive rates. A Neptune policy meets the requirements for banks and mortgage companies to accept our coverage instead of the NFIP. Thanks to our technology, Neptune offers enhanced coverage that can save you up to 25% for the same coverage or better compared to an NFIP policy. LOWER PRICE IS NOT THE ONLY BENEFIT. Neptune’s additional coverage options allow you to tailor your policy to cover more of your assets. These flexible offerings go above and beyond the limitations of the NFIP by providing you with higher limits, shorter waiting periods, and covering valuable assets.

Flood - Commercial

Flood - Personal

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