Private Flood Insurance
Our private flood solutions offer higher limits, broader coverages and more stable and competitive rates than what is available from the National Flood Insurance Program (NFIP). With more than 25 years at the forefront of private flood insurance, best-in-class service and deep expertise in private flood program administration, you can be confident in presenting your customers with our specialized primary, excess and admitted flood solutions.
Broader Coverages
Higher limits and broader coverages than the National Flood Insurance Program
Stable, Competitive Rates
Stable and competitive rates, with multiple deductible options from $1,000 to $100,000
Fast Claim Support
Quick claim processing provided by our wholly owned subsidiary Precise Adjustments
Private Flood Solutions
Tokio Marine Highland offers expertise in private flood program administration and is a longstanding coverholder in the London market. Our product offerings consist of a variety of solutions ranging from primary to excess coverages for various occupancy types.
Tokio Marine Highland’s flood solutions offer significant enhancements over the National Flood Insurance Program (NFIP), including:
- Higher limits
- Broader coverages, including Business Income or Additional Living Expense coverage
- No elevation certificates required
- No co-insurance penalty
- Replacement Cost coverage on building and contents for all products
Available private flood programs provide specific coverage to meet the needs of single family homeowners, commercial property owners and tenants, and residential condominium associations.
Additional information about the individual products available can be found in the program brochures below:
- Residential Primary Flood Insurance
- Commercial Primary Flood Insurance
- Low-Rise Residential Condominium Building Association Policy (RCBAP) Flood Insurance
- Excess Flood Insurance – Available for Commercial and Residential Risks
Learn More
For more information, contact us today by calling 888-386-9488 or emailing PrivateFloodSolution@tmhighland.com.
Custom Private Flood Programs
Tokio Marine Highland’s custom private flood programs allow your company the ability to expand its flood opportunities while taking advantage of our models, expertise and reinsurance.
Client Testimonials
How to Become Our Business Partner
We want to be your preferred flood market. To access our wide range of private flood products, please complete the appointment application and a service representative will contact you. We look forward to doing business with you.
Contact Us
Lydia Martinez
Director of Client Relations, Private Flood Division
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