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:

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For more information, contact us today by calling 888-386-9488 and selecting option 5 for Marketing, or by email at PrivateFloodSolution@tmhighland.com.

Tokio Marine Highland Excess Flood Insurance marketing sheet thumbnail.. — Excess Flood Insurance Marketing Sheet

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Tokio Marine Highland Flood Insurance Application thumbnail. — 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