Commercial Flood Insurance and Catastrophe Insurance Products

Through our Insurmark CAT division, we offer highly effective catastrophe insurance solutions for agents, brokers and the clients they represent. Our expertise in underwriting risk and reputation for leading customer service – combined with the trusted partnerships we have earned with our carriers – gives us the flexibility and products to respond to our clients faster than a typical agency.

Commercial Flood Insurance

For small to medium commercial risks, our Primary Flood Insurance program offers a viable alternative solution to the NFIP.
Ongoing legislative changes to the National Flood Insurance Program have led to rate increases, removal of subsidies, and mandatory surcharges. For small to medium commercial risks, our Primary Flood Insurance program offers a viable alternative solution to the NFIP. Our ability to write multiple buildings on one policy, at replacement cost, is just one of the differentiators of our private flood offering.

Commercial Flood Insurance Program Features

Excess Flood Insurance

Insurmark has been successful in writing flood coverage in excess of NFIP or other primary flood coverage for properties whose values exceed NFIP protection limits or primary flood coverage limits. With inhouse underwriting authority, we provide efficiency, premium savings and added value to your client relationships.

Excess Flood Insurance Program Features

Private Residential Flood Insurance

Aon Edge private flood insurance, designed for both residential properties in higher-risk and coastal areas where mandatory flood insurance purchase requirements apply and residential properties in lower-risk, non-mandatory flood zones. Excess Flood offers coverage above the NFIP policy limits.

Private Residential Flood Insurance Program Features

Residential Condominium Building Association Policy

Our Residential Condominium Building Association Policy offers competitive rates on Building and Association Personal Property located in A or V zones. Designed for buildings four stories or higher, this policy is an alternative to the NFIP and is not subject to NFIP increases and fees.

Residential Condominium Building Association Policy Program Features

Mini Wind

Unique in the industry, InsurmarkCAT’s Mini-Wind policy delivers replacement cost coverage without the necessity of insuring value. Mini-Wind provides wind and hail coverage for residential and small commercial properties in the United States where primary insurance carriers have removed wind coverage from their policies.

Mini Wind Program Features

Deductible Buy-Back

This program mitigates first-dollar property loss exposure for commercial property owners who carry high wind and hail deductibles.

Deductible Buy-Back Program Features