Hiscox FloodPlus
Hiscox FloodPlus provides flexible, comprehensive flood insurance solutions for residential and commercial risks across the USA. Our product range includes Primary Flood, Excess Flood, X Zone (low-risk flood), Commercial Flood, High Value Homeowners Flood, and SURF (Submitted Underwritten Rated Flood) for more complex risks.
Fast, Simple Access
Available through binding authority partners nationwide, FloodPlus delivers bindable quotes in seconds with no elevation certificate requirement for risks, making placement quick and straightforward.
Flexible Limits
We offer a broad range of limits, from NFIP-equivalent options through to full-value and bespoke solutions, helping clients secure the level of protection they need.
Excess of NFIP
For risks with an underlying National Flood Insurance Program (NFIP) policy, FloodPlus provides additional capacity above NFIP limits for both residential and commercial properties.
Broader Protection
FloodPlus offers wider coverage than many alternative flood products, including options such as outbuildings, business interruption, and other enhanced coverages. Policies can be purchased on a standalone basis or alongside other Hiscox residential and commercial products.
SURF for Complex Risks
Our SURF (Submitted Underwritten Rated Flood) solution provides underwriter-led assessment for risks that fall outside standard appetite, giving brokers access to expert flood underwriting and tailored solutions for more challenging exposures.
