Flood Insurance

Harleysville Insurance — Flood Insurance Solutions

Harleysville Insurance Flood Solutions provides a dedicated flood program for independent agents and brokers. Backed by decades of experience and a national footprint, Harleysville has written nearly $50 million in flood coverage through a network of independent agents. You can use this program to place individual retail flood risks, consolidate existing flood books, or grow a targeted flood practice with carrier-level support.

Ideal Accounts and Appetite

This program is built for agents who need reliable flood options for residential and commercial clients. Typical fits include:

• Owner-occupied and tenant-occupied single-family and multifamily homes in high- and moderate-risk zones (NFIP-compliant placements)
• Property investors and landlords with portfolios or multiple residential/mixed-use buildings
• Small to mid-sized commercial locations—retail, office, light industrial—in flood-prone areas
• Existing flood books that an agency wants to roll into a single carrier relationship

Accounts that require complex excess flood layers, extremely high limits, or highly unusual flood exposures may need separate placement; Harleysville’s underwriters can advise on borderline or specialty situations.

Coverage Highlights and Advantages

Designed for agent efficiency and client protection, Harleysville’s flood program combines underwriting expertise with practical tools that simplify placement and servicing:

• Underwriting & technical support: Access to flood specialists who help evaluate risk, structure coverage, and answer technical questions
• Book rollover assistance: Structured support to transition existing flood portfolios with minimal disruption to clients
• Web-based policy processing: Online system for quoting and administration—useful for agents new to flood as well as experienced flood producers
• Marketing & education: Free marketing materials and continuing education resources to help you sell and retain flood business
• Carrier and MGA capabilities: Harleysville operates as both a carrier and managing general underwriter, providing direct access and streamlined placement options

Underwriting Notes and Minimum Premiums

Harleysville’s underwriting team evaluates flood risk with an emphasis on practical, marketable solutions. Submission requirements are straightforward and support is available throughout the lifecycle of the account. While a specific minimum premium is not listed here, the carrier aims to be flexible—especially for agencies seeking to grow or transfer a book of business. For unusual exposures, elevated limits, or complex coastal risks, expect additional underwriting review and documentation.

Territories and Availability

Harleysville’s flood program is available nationwide: all 50 states and Washington, D.C. The program is active in high-risk flood states including Florida, Louisiana, New Jersey, and Texas. Whether your agency is regional or national, you can place eligible flood business through Harleysville’s platform.

Why Work With Harleysville Insurance?

As a dual-role provider (Managing General Underwriter and Carrier), Harleysville offers agents a direct route to place flood business with experienced underwriters and carrier support. Their combination of service tools, educational resources, and book-rollover expertise makes them a practical partner if you want to expand or consolidate flood lines without adding administrative overhead.

Example Scenarios

• You have a landlord client with four small rental properties in a coastal county who needs NFIP-compliant coverage and a streamlined renewal workflow—Harleysville can handle placement and rollover from a prior carrier.
• You’re building a flood product offering for your agency and want access to technical support, CE materials, and an online policy system to support rapid quoting—this program is structured for that scale.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.