reThought Flood® Commercial.
Comprehensive commercial flood insurance solutions. Uncover a complete, nuanced picture of your client’s flood exposure — backed by data, priced on risk.
Commercial flood insurance, done right.
Backed by data
Uncover a comprehensive & nuanced picture of your client’s flood exposure, backed by data.
Fast, stable quoting
24–72 hour quote turnaround on most accounts, with stable, risk-based pricing.
Flood zone agnostic
Expand your client base and mitigate risks more effectively — risk analysis on a case-by-case basis.
One policy, any schedule
Simplify coverage for clients with multiple properties — a single policy for any sized schedule.
What we cover.
Up to $300M total insured value per policy.
Contents coverage up to 50% of total insured value.
Business interruption coverage up to 50% of total insured value.
Excess limits, debris removal, cost of construction, cost of compliance, ordinance or law.
Unsure if your client's risk is a fit?
Email our underwriting team for a quick look — our appetite covers risks other markets won’t quote.
Gold-standard coverage from “A” rated carriers.
reThought Flood® is proud to offer excellent terms and coverages to protect your insureds.
Primary, excess, quota share, and RCBAP.
HI, AK, & south of I-10 referred to Specialty.
Superior protection, tailored for your clients.
Business interruption
Coverage for loss of use and access keeps your client’s business afloat when floods disrupt operations, helping them avoid the financial strain of closure.
Basement coverage
Basements are highly vulnerable to floods — our coverage ensures your client is comprehensively protected against major financial loss.
Layering
By stacking multiple policies, we provide higher limits and enhanced protection for risks exceeding standard coverage.
Customizable coverage
We tailor coverage to each property’s unique risk, ensuring the right protection without a one-size-fits-all approach.
Replacement cost value
Replacement cost value ensures your client receives enough coverage to fully rebuild or replace damaged property.
Stable, risk-based pricing
We accurately assess risk and price premiums accordingly, ensuring no surprise hikes after the first coverage year.
Real underwriters, direct answers.
For complex or specific questions requiring in-depth guidance, reach out to our commercial team.
Submitting business with reThought Flood® is easy.
Send your submission to flood@rethoughtflood.com and our expert underwriters will determine the appropriate program for your client.