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.

Submit a risk Find your program

Commercial & specialty risks · Primary & excess

A clearer path to flood coverage.

PROPERTY. PEOPLE. POSSIBILITY.

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.

01
Complete the SOV.
Provide the location, building, value, and risk information requested in the template.
02
Tell us what you need.
Include your requested limits, effective date, deductible, and underlying coverage for excess requests.
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. Estimate
2. Property
3. Risk details
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.

Policy type * Coverage * Building replacement value ($) * Contents replacement value ($) *

Building + contents TIV $0TIVs up to $100,000,000. TIV is the combined building and contents replacement value.

Maximum building coverage: $500,000Requested building limit ($) * Maximum contents coverage: $500,000Requested contents limit ($) * Maximum blanket coverage: $1,000,000 ($500,000 each for building and contents)Requested blanket limit ($) *Enter only the blanket limit. Separate building and contents coverage limits are disabled; property replacement values are still needed for TIV. Deductible *Options follow the combined TIV band. Stories, excluding basement * Flood zone * At or above base flood elevation? * Elevated on piles? *

Tell us about the property.

Insured name * Requested effective date * Building street address * City * State * ZIP code * County * Location name Owner mailing address Occupancy * Year built * Foundation * Basement finish * Construction * Square footage * Number of units Elevation certificate available? *

A few flood-risk questions.

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

Protected by a levee? * Any prior flood loss? * Any flood loss within 10 years? * Most recent flood-loss date * Largest flood loss within 10 years ($) * Repetitive or severe repetitive loss property? * Any unrepaired flood damage? * Mobile / prefabricated home? * Built over water? * Underlying coverage limit ($) * Underlying carrier / NFIP *Describe the existing coverage below the requested Blenheim layer.

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.

Your name * Agency name * Your email * Your phone * Additional information

I confirm that these answers describe one building and authorize sending this application and my contact details to Joe Flood.

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

Primary

Primary Commercial Form

Capacity policy form · June 2026 · PDF

Download PDF

Primary

Primary RCBAP Form

Capacity policy form · June 2026 · PDF

Download PDF

Primary

Primary Residential Form

Capacity policy form · June 2026 · PDF

Download PDF

Excess forms

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.

Get appointed Existing agent login

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

Flood expertise. Capacity to match.

Total program limits

TIV per risk

Underwriting & delegated authority

Flood solutions.Built around the risk.

Capacityby Joe Flood

BlenheimFlood Program

Builders riskFlood Program

Your SOV.Your application.

Complete the SOV.

Tell us what you need.

Email our team.

See the premium first.Then complete your application.

Commercial risks.Flood expertise.

Habitational

Warehouses

Hotels

Storage

Offices

Condominiums

Builders risk.Built to compete.

Project values

Coverage limits

Policy terms

Cost coverage

The documents you need.All in one place.

Primary forms

Primary Commercial Form

Primary RCBAP Form

Primary Residential Form

Excess forms

Excess Commercial Follow Form

Excess RCBAP Form

Excess Residential Follow Form

Non-follow Form

Excess Physical Damage Follow Form

Endorsements

JFIB Endorsement

BI & LOR Combined Endorsement

Stand-alone Replacement Cost Endorsement

90 Percent Values Clause

Marketing flyers

JFIB Product Flyer 2026

Blenheim Flood Program Flyer

Meet Joe“Flood” Rossi.

Become a Joe Flood partner.

Have a flood risk to place?

Flood solutions.
Built around the risk.

Your SOV.
Your application.

See the premium first.
Then complete your application.

Commercial risks.
Flood expertise.

Builders risk.
Built to compete.

The documents you need.
All in one place.

Meet Joe
“Flood” Rossi.