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CATcoverage.com, administered by Poulton Associates, LLC, is the leading online platform for private flood insurance in the United States. Leveraging advanced technology and exclusive market access, CATcoverage.com offers insurance agents and brokers an efficient way to quote, compare, and bind flood coverage for residential and commercial clients—entirely online. Overview of the Program From Poulton Associates Through a single online application, agents can access the Natural Catastrophe Insurance Program (NCIP) as well as a Private Market NFIP-equivalent product. These offerings are supported by highly rated carriers, including Certain Underwriters at Lloyd’s (London), and are available nationwide in 50 states and DC. The NCIP provides flood insurance limits of up to $5 million or more for both residential and commercial risks. The NFIP-equivalent option mirrors the coverage and limits of the National Flood Insurance Program but often at a lower cost and with enhanced customer service. Ideal Accounts and Appetite CATcoverage.com is a strong fit for agents placing business with: Homeowners or landlords needing higher flood limits than the NFIP offers Commercial property owners in flood-prone regions Clients who've experienced NFIP service or pricing challenges Accounts in coastal or hurricane-exposed areas Whether you’re working with a condo association seeking better flood coverage or a commercial real estate investor with properties in high-risk zones, CATcoverage.com provides flexible, scalable solutions that can meet your clients' needs. Coverage Highlights and Advantages High Flood Limits: Up to $5 million or more for both homes and businesses Private Market NFIP-Equivalent: Often lower prices and better service compared to NFIP Exclusive Access: The Natural Catastrophe Insurance Program is only available through CATcoverage.com Fast Online Quoting & Binding: Quote, compare, and issue policies in minutes Smart Technology: System evaluates multiple carriers to present the best value based on risk profile Broker-Friendly Platform: 100% online and designed to save time and increase placement efficiency Underwriting Notes and Minimum Premiums Policies are written on a non-admitted basis through select surplus lines carriers. While no specific minimum premium is listed, CATcoverage.com is designed to be competitive—beating NFIP pricing approximately 70% of the time. The automated underwriting platform ensures accurate pricing and fast turnaround, making it easier to close more accounts with less effort. Properties in high-risk flood zones, coastal areas, and hurricane-prone regions are welcome, though standard underwriting due diligence will apply. Territories and Availability This program is available in all 50 states and the District of Columbia, including high-risk and coastal markets such as Florida, Texas, Louisiana, New Jersey, and California. With national reach and automated tools, you can confidently serve clients across the country. Why Work With Poulton Associates and CATcoverage.com Poulton Associates has been named to the Inc. 5000 list of fastest-growing U.S. companies for six consecutive years, a testament to their performance and innovation in the flood insurance space. As a Managing General Agency (MGA) specializing in catastrophe exposures, they provide agents with exclusive access to markets, superior technology, and a seamless experience from quote to policy issuance. With CATcoverage.com, you can streamline your workflow, offer competitive alternatives to NFIP, and deliver enhanced service to your clients—all from one platform. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include residential or commercial properties in flood-prone or coastal areas, especially those requiring higher limits or dissatisfied with NFIP pricing or service. How quickly can I quote and bind coverage?With CATcoverage.com’s 100% online platform, you can often quote and issue policies within minutes using their streamlined application process. Is this program admitted or non-admitted?This program is written on a non-admitted basis through highly rated surplus lines carriers, including Certain Underwriters at Lloyd’s (London). Can I access both residential and commercial flood products?Yes, the platform supports both residential and commercial risks with limits of $5 million or more, as well as NFIP-equivalent private market options. Which states is this program available in?This program is available in all 50 states and Washington, DC, including high-risk and hurricane-prone regions. Need help placing an account? Connect with a market specialist.

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