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Floods are the most common natural disasters in the US. And as extreme weather events become more likely, they’re only going to get more frequent and more intense.

But we’re here to turn the tide. We provide diligent, detailed protection for homes, businesses and personal property.

Flood-proofing and future-proofing businesses

Floods can happen almost anywhere – from coastal cities to country towns. So having the right flood insurance is essential to protecting clients' businesses.

Whether you're looking for the US government-backed National Flood Insurance Program (NFIP) or private flood solutions, we've got you covered for years to come.

Note: NFIP flood policies are available through the Victor Flood platform and private flood is available through the Victor for Agents platform.

Agent/broker resources

Online quotes through Victor Flood: 

  • Register or log in to get a quote from Victor, your gateway to the NFIP

Online quotes through Victor for Agents: 

NFIP Commercial highlights:

Federally-backed flood insurance

  • Available in all 50 states and US territories
  • Limits: $500,000 building; $500,000 contents
  • Deductible: Separate deductible for dwelling and contents
  • Standard waiting period: typically 30 days
  • Elevation Certificate (EC) may not be required, but an EC could mean a more affordable rate
  • Summary of coverage

Excess Flood highlights: 

Higher limit options when NFIP options are maxed out

  • Available in all 50 states
  • Limits: $15M combined
  • Deductible: "Follow form" to the primary NFIP policy
  • Business income coverage: $500,000 (includes loss of rent)
  • Elevation Certificate not required on certain risks
  • Replacement cost option on contents available on certain risks
  • Coverage highights and FAQs

Private Primary Commercial Flood: 

With competitive pricing, the private market may provide alternative opportunities for flood insurance protection with broader limits and the option to include business interruption.

Hiscox FloodPlus Commercial highlights:

  • Available in most states except AK, HI and KY
  • Limits: $2.5M building, business personal property and business income
  • Deductible: Flat deductible
  • Standard waiting period: 7 days
  • Business income coverage available
  • Elevation Certificate not required
  • Replacement cost option on contents avilable
  • Features and comparison

DUAL Commercial highlights:

  • Available in all 50 states
  • Limits: $3M combined building and contents
  • Deductible: $2,000 per occurence for buildings. $2,000 per occurence for contents.
  • Standard waiting period: up to 14 days
  • Business income coverage available
  • Elevation Certificate may not be required
  • Replacement cost option on contents available
  • Highlights

Download the Victor Flood highlight sheet

Get a Flood indication from Neptune with every line of business you quote on Victor for Agents.

Coverage highlights:

  • Available in most states except AK & KY. Coming soon in NY.
  • Available carrier: Neptune
  • Building limits up to $4M
  • Contents coverage up to $500k
  • Business interruption up to $25k available as an optional coverage
  • Deductibles between $1,250 - $50,000
  • No elevation certificates needed
  • Waiting period is 10 days (waived if binding for a real estate closing)

Product appetite: 

  • Non-residential risks
  • Building square footage: no minimum and maximum square footage for zones X and A, 25,000 square feet maximum for zone V

*Flood cannot be quoted independently at this time

Download the Neptune Flood highlight sheet

Victor makes moving your book of flood business easy.  Along with enhanced commission, you will have a dedicated team to facilitate all policy transfers for you.  We handle the paperwork, so you don’t have to.  When moving your book of business, our flood specialists will review all of your accounts ensuring FEMA compliance, reducing your E&O exposure.

To find out more about how to move your book of business to the Victor Flood program connect with your business development contact.

Policyholder resources

To get a quote, please contact with your existing insurance broker. Your insurance agent/broker will then work with Victor to provide you with a quote.

If you need assistance securing an insurance broker in your area, connect with your business development contact

Victor Flood


The world is changing at an unprecedented pace. And complex new risks are emerging every year.

To help you understand and overcome these challenges, Victor Risk Advisory offers rock-solid industry insights, risk mitigation resources and much more.

The faster way to keep flood risks at bay

Register for our industry-leading portals, Victor Flood and Victor for Agents, today.

Bench surrounded by rising flood water

Discover our other solutions

Our wide range of solutions provides protection on more fronts. No matter how complex, no matter the scale, we strive to leave no stone unturned in covering our clients.

Automotive Dealerships

Targeted, rounded solutions that keep pace with the automotive industry’s emerging risks.

Builders Risk

Protects buildings under construction from fires, theft, natural disasters and much more.

Business Owners Policy

Specialty insurance for small and midsize businesses, covering essentials like property damage and business interruption.

Contractors Equipment

Broad inland marine coverage for direct physical damage and loss to mobile machinery and equipment used for construction projects and other activities.


Designed for a whole host of cyber threats, such as cybercrime, system damage, business interruption and even court attendance costs.

Design, Construction & Consultants

Far-reaching and flexible solutions for design and construction professionals. Includes professional liability; errors and omissions and property and casualty.

Developers Errors & Omissions

Protects against the complex risks that come with real estate development services. Offers the flexible coverage developers need to navigate today's risk landscape.

E&S Property and General Liability

Excess and Surplus coverage for unique and hard-to-place risks. Available to a broad appetite across several industries.


Protects against major damage to homes, businesses and personal property caused by floods. Includes an industry-leading, web-based flood portal and access to real-time flood policy insurance.

Forest & Logging

Competitively priced coverage for property, general liability, including loggers broad form property damage, commercial auto, inland marine and umbrella coverage.

General Liability

From artisan contractors to fitness instructors, we offer essential and comprehensive protection against injury, illness and property damage for businesses.

Kidnap, Ransom & Extortion

Available to practically any type of company or high net worth individual. We provide guidance on predicting and preventing these events - plus access to a leading international crisis response firm.

Miscellaneous Professional Liability

Protects against claims arising from professional malpractice. Covers a breadth of industries from advertising to surveyors, with limits up to $5m.

Non-Profit Management Liability

Protects non-profits' directors, employees, volunteers and more from a wide selection of risks. These include directors' and officers' liability, employment practices liability and other vital coverages.

Private Company Management Liability

Privately held organizations are vulnerable to a whole host of allegations. Our program provides D&O, EPL and several other essential coverages to help protect private companies.

Public Entities

We have a wealth of experience working with cities, counties, special districts, schools and colleges across the US. We're focused on providing underwriting and administrative services to public entity pools – and helping retail insurance brokers in finding markets for their public entity and school clients.

Real Estate Errors & Omissions

Real estate transaction risks are always on the move. Our insurance keeps up with flexible coverage for real estate agents, brokers, appraisers and more.


If you're a small to midsize US insurer, we offer a number of programs to support your risk portfolio. With first-rate financial strength ratings, you know you're in safe hands.

Workers' Compensation

Top-tier wage replacement and benefits for employees who've been injured at work. Features super reactive claims services and limits of up to $1m.