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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.

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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:

  • Commercial Primary Flood Insurance
  • Residential Primary Flood Insurance: Admitted American National Private Flood Program
  • 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 and selecting option 5 for Marketing, or by email at PrivateFloodSolution@tmhighland.com.

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Excess Flood Insurance Marketing Sheet
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Flood Insurance Application
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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.

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Client Testimonials

Melissa Waters

I have had a continuous business relationship with Tokio Marine Highland over the past 11 years, and cannot speak enough praise about their Flood team. Their service is impeccable, and it’s a pleasure to work with them on a daily basis.

Melissa Waters
Flood Underwriter

Clearwater Underwriters

Neal Schmidt

The Tokio Marine Highland Private Flood team is knowledgeable, customer focused, problems solvers, and extremely responsive.

Neal Schmidt
Vice President Commercial Underwriting
Philadelphia Insurance Companies

R.C. Chaffin

The Tokio Marine Highland Private Flood team is highly respected in our industry and has been our trusted business partner for more than 20 years. The customer service is excellent and the team is always willing to help. I always know they are just a phone call away.

R.C. Chaffin
Chairman and CEO
Seacoast Underwriters

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.

Tokio Marine Highland Agency Appointment Application

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Christopher Page
Vice President, Private Flood Division

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Leila Taha
Director, Marketing, Private Flood Division

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Tokio Marine Highland

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Recent Articles

NOAA Releases 2023 Atlantic Hurricane Season Outlook
Private Flood News

NOAA Releases 2023 Atlantic Hurricane Season Outlook

June 1, 2023
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Private Flood News

2023 Atlantic Hurricane Season: What You Should Know

May 17, 2023
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Careers

Insurance Careers Month: Helen Shim, Private Flood Underwriter

February 22, 2023

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