Our Commercial Excess Flood Program provides coverage excess of an NFIP policy limit.
Confluence Insurance offers more than 700 insurance products over and above the coverages sold by most independent agencies.
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Flooding is defined by the National Flood Insurance Program as a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or two or more properties (at least one of which is your property) from: Overflow of inland waters, unusual and rapid accumulation or runoff...
Flood insurance policies cover physical damage to your property and possessions from floods or flood-related losses due to rising water in high risk areas. The federal government runs the National Flood Insurance Program (NFIP), which can issue flood insurance policies. Even if you have, renters, condo, landlord, mobile home or business insurance, you may need to purchase a separate flood insurance policy to have protection from flood damage. Most homeowners insurance policies do not cover damage caused by flooding. This is important to check when getting flood insurance quotes. If your community participates in the National Flood Insurance Program (NFIP), you can buy flood insurance coverage through agents enrolled in the NFIP-Direct program.
Commercial Excess Flood Program
Commercial Primary Flood
Philadelphia Insurance Companies (PHLY) understands that protecting your business assets from a flood is very important.
National Flood Program
Philadelphia Insurance Companies (PHLY) is an authorized federal flood insurance writer, with flood programs available in all 50 states.
Directors and Officers Liability- Financial Institutions
Farm and Ranch Properties
Fine Arts- High Values
Firearms/Shooting Risks, Dealers and Distributors
Health Foods Industry
Vending Machines Floater
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The 58th Edition of The Insurance Marketplace by Rough Notes contains more than 700 coverages, programs, and service industry categories and is the most widely used directory in our industry for locating Specialty Market Providers.
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Specialty insurance coverages and programs are offered by independent agencies that market/sell those insurance products. These coverages come from companies known as "Specialty Market Providers" or "SMPs" and are represented by Confluence Insurance.