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Specialist flood MGA · Commercial & specialty capacity

YOUR SPECIALIST FLOOD MGA

Flood expertise. Capacity to match.

A specialist flood MGA built for agents and brokers. We combine substantial capacity, proprietary programs, and in-house underwriting to help you place commercial and specialty flood risks.

Commercial & specialty risks · Primary & excess
UP TO$50 million

Total program limits

Substantial flood capacity for your clients’ property exposures.

UP TO$2 billion

TIV per risk

Appetite for large property risks and complex schedules.

DIRECT UNDERWRITING ACCESSIn-house

Underwriting & delegated authority

Work directly with our team for underwriting decisions within our delegated authority.

Capacity, TIV eligibility, and delegated authority vary by program and are subject to underwriting.

OUR PROGRAMS

Flood solutions.
Built around the risk.

Start with the right program. Our team will help you evaluate coverage options for your account.

COMMERCIAL FLOOD

Capacityby Joe Flood

Our proprietary flood program for commercial property risks, with primary and excess options and direct access to our underwriting team.

  • Commercial properties and schedules
  • Primary and excess options
  • Building, contents, and business interruption options
Discuss a Capacity risk
RESIDENTIAL & COMMERCIAL

BlenheimFlood Program

Our high-risk, high-premium flood program for hard-to-place residential and commercial properties. Explore primary and excess options, or get an indicative estimate for a single building below.

  • Residential and commercial properties
  • Single buildings and small schedules
  • Primary and excess options
Get a high-risk Blenheim estimate
NEW SPECIALTY PROGRAM

Builders riskFlood Program

Competitive specialty flood coverage for projects under construction, with substantial capacity and terms built around the construction timeline.

  • Project values up to $1 billion
  • Flood limits up to $25 million
  • Policy terms up to three years
  • Hard and soft cost coverage options
Explore builders risk

Coverage and availability are subject to underwriting, program eligibility, and policy terms. Contact our team for current limits and options.

SUBMIT A RISK

Your SOV.
Your application.

Our statement of values template acts as your application. Complete it and email it to our team to get started.

  1. 01

    Complete the SOV.

    Provide the location, building, value, and risk information requested in the template.

  2. 02

    Tell us what you need.

    Include your requested limits, effective date, deductible, and underlying coverage for excess requests.

  3. 03

    Email our team.

    Attach the completed SOV and any available supporting reports or loss information.

HIGH-RISK, HIGH-PREMIUM BLENHEIM PROGRAM ONLY

See the premium first.
Then complete your application.

This calculator is exclusively for the high-risk, high-premium Blenheim Flood Program. Get an indicative premium for one building, then continue if the pricing fits your client’s needs.

BLENHEIM ONLY — HIGH-RISK, HIGH-PREMIUMOne building at one address · Primary or excess · Estimate subject to full application review

Blenheim is designed for high-risk and hard-to-place flood exposures. This is a premium estimate for that program only. Property eligibility and final terms are confirmed after the full application is reviewed.

  1. 1. Estimate
  2. 2. Property
  3. 3. Risk details
  4. 4. Submit
Estimate your Blenheim premium.

For one building at one address only. Start with the values, coverage, and rating details. You can complete the address and application after reviewing your estimate.

Building + contents TIV $0TIVs up to $100,000,000. TIV is the combined building and contents replacement value.
Tell us about the property.
A few flood-risk questions.

Use “Unknown” if you need our help confirming an answer. Those submissions go to underwriting for review.

Send your application to Joe Flood.

We’ll populate our SOV with your answers and attach it to your submission, along with your coverage request and flood-risk details.

The estimate is for the Blenheim Flood Program only, excludes taxes and fees, and is subject to underwriting and policy terms. Submitting this form does not bind coverage.

WHAT WE WRITE · COMMERCIAL PROPERTY

Commercial risks.
Flood expertise.

Commercial flood solutions for individual properties and larger schedules, with an underwriting approach focused on the exposure behind each address.

Habitational

Apartments & multifamily

Warehouses

Warehouse properties

Hotels

Hospitality properties

Storage

Self-storage facilities

Offices

Commercial office buildings

Condominiums

Condominium associations & buildings

Have a different occupancy or a contents / business interruption exposure? Let’s talk through it.

Ask an underwriter

NEW · SPECIALTY FLOOD PROGRAM

Builders risk.
Built to compete.

A new specialty flood program for projects under construction, designed to compete well in the marketplace. Bring us your project and work directly with our team on coverage for the construction timeline.

Discuss a builders risk project
$1 billion

Project values

Builders risk projects with values up to $1 billion.

$25 million

Coverage limits

Flood limits up to $25 million.

3 years

Policy terms

Terms up to three years for the construction period.

Hard + soft

Cost coverage

Coverage options for hard and soft costs.

Specialty capacity. Competitive positioning. A team that understands flood.

Submit a builders risk project

Subject to underwriting, project eligibility, and policy terms. Contact our team for available coverage and terms.

RESOURCE LIBRARY

The documents you need.
All in one place.

Download primary and excess policy forms, endorsements, and marketing flyers for our agency partners.

Primary forms

Excess forms

Endorsements

Marketing flyers

Need a document you don’t see here? Contact our team

Joe Flood Rossi, President and CEOJOE “FLOOD” ROSSI · PRESIDENT & CEO

ABOUT JOE FLOOD

Meet Joe
“Flood” Rossi.

Joe “Flood” Rossi is the CEO of Joe Flood Insurance Brokerage. His work spans flood insurance, education, and floodplain management, including leadership with the Big I and the Flood Insurance Producers National Committee. A recipient of FEMA’s CRS Award for Excellence, Joe brings a specialist perspective of both floodplain management, insurance and specialty programs to helping agents and brokers understand flood risk.

Joe Flood Insurance Brokerage, Inc. is a specialist flood managing general agent. Founded in 2021, we bring flood expertise, dedicated programs, and a personal approach to working with agents and brokers.

Connect with our team

FOR AGENTS & BROKERS

Become a Joe Flood partner.

Get appointed to access our flood programs and work with our underwriting team.

LET’S GET TO WORK

Have a flood risk to place?

Send your completed SOV application. We’ll take it from there.

Email a submission