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Upstream

Creating "UP"ortunities with your clients

Upstream is the proprietary flood insurance program through Joe Flood Insurance Brokerage, 100% backed by Chubb.  Upstream is built by experts to make flood insurance simple and comprehensive. Below are some coverage highlights. Joe Flood Insurance Brokerage is bringing more “UP”ortunities to agents across the country.

Download our Upstream information sheet

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Primary Program: 100% Chubb A++ Paper

Available Limits

  • Up to $5,000,000 building/contents combined limits for any one risk.
  • 25% of TIV (max $1,250,000) for Business Interruption for any one risk.

Eligible Risks

  • Residential and commercial exposures of up to $5,000,000 in TIV.
  • Higher TIV considered on case by case basis.

Waiting Period

  • No waiting periods for any policy.

"UP"ortunities

  • No elevation certificates are required.
  • Upstream utilizes technology to rate and underwrite each policy.
  • Special programs available.

Exclusions

  • Finished basements.
  • Barrier islands.
  • Prior losses.
  • 100% over water.
  • CBRA/OPA.
  • Some other exclusions may apply.

Excess Program: 100% Chubb A++ Paper

Available Limits

  • Up to $10,000,000 building/contents combined limits for any one risk.
  • 25% of TIV (max $2,500,000) for Business Interruption for any one risk.

Eligible Risks

  • Residential, commercial, and condo exposures of up to $25,000,000 in TIV.
  • Higher TIV considered on case by case basis.

Waiting Period

  • No waiting periods for any policy.

"UP"ortunity

  • No elevation certificates are required.
  • Can be layered on top of any other program.
  • Much higher TIV is allowed on a case by case basis.
  • Special programs available.

Exclusions

  • Finished basements.
  • Barrier islands.
  • Prior losses.
  • 100% over water.
  • CBRA/OPA.
  • Some other exclusions may apply.