Trusted Flood is easy and efficient to use.

  • Agents can quote and bind primary and excess policies entirely online in just a few minutes.
  • Policies and invoices are emailed to the agent immediately after eSigning.

Trusted Flood was designed with long-term stability in mind.

  • We seek to strike the proper balance between risk selection, pricing and ease of use.
  • We do not accept every risk accepted by the NFIP and while we are often priced lower than the NFIP, there are occasions where we believe the NFIP rate is inadequate according to our modeling.
  • We actively manage our spread of risk to ensure reliable availability and long-term profitability.

The Trusted Flood policy is written through Certain Underwriters at Lloyd's of London, rated A by A.M. Best.

  • Risk is spread among multiple syndicates resulting in stable pricing and availability.
  • Please see our FAQs for additional information regarding the Lloyd’s structure.
  • Trusted Flood’s management team and underwriters are highly experienced writing primary and excess flood insurance.

Trusted Flood recognizes the important role independent agents play in the distribution of flood insurance and we compensate agents accordingly.

  • Our commission rates are significantly higher than most competitors.
  • While some competitors market directly to consumers, Trusted Flood does not.
  • Trusted Flood is distributed exclusively through retail insurance agents, who own their expirations.

Trusted Flood has one of the most comprehensive product offerings in the industry.

  • We have pre-FIRM and post-FIRM solutions for individuals, businesses and condominium associations.
  • Our products offer coverage options that improve upon NFIP policies.
  • Our policies specifically state there is no circumstance under which a claim that would be covered under an NFIP policy would be denied under a Trusted Flood policy.
  • NFIP policies, which are essentially the policy forms used by most private flood insurers, include several clauses and conditions that create E&O exposures for agents.
  • Trusted Flood policies offer policy language that can improve coverage and can eliminate some of these exposures.

Our Program Manager

  • DUAL North America is the Managing General Underwriter for our unique private flood insurance program.
  • While DUAL handles all underwriting and accounting functions, the Trusted Flood team has vast flood insurance experience and is available to assist agents with program questions.
  • Agents may recognize DUAL North America from other private flood programs, but the Trusted Flood program is different and offers distinct advantages over those and other private flood options.

To become appointed with Trusted Flood, simply contact us at FloodExpert@TrustedFlood.com. A login will be issued along with a welcome letter containing necessary documents. Once those are submitted to us, you can begin writing with Trusted Flood!