Excess Flood

Protection to Meet Your Needs

In recent years, the effects of storm-related flooding on homes and businesses have been catastrophic — even in regions where floods were previously rare. Flooding is a potential threat to many properties, yet standard property insurance policies typically don’t cover it.


The IGP Specialty Excess Flood Program can help when the National Flood Insurance Program (NFIP) limits don’t offer sufficient protection to meet your needs. Our program provides clients access to excess flood insurance at stable, competitive rates — even in some high-risk areas that many insurers won’t cover. We work on behalf of the insurance carriers to evaluate your flood exposure, underwrite your risk, and efficiently issue policies based on your unique needs. Our ability to accurately match coverage to clients’ risks helps us keep their premiums reasonable.


Using a consultative approach and sophisticated research tools, our flood analysis and placement team can accurately assess your flood-related risk and help you manage exposure. We evaluate your property using Federal Emergency Management Agency (FEMA) maps, aerial photography, wind and water projections, elevation information, and water source and flood zone data.


Our program covers building, contents, and associated loss of income coverage, with limits up to $25 million per policy.