Neptune Flood Inc.
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Neptune Flood is a U.S. digital MGA/program administrator offering private flood insurance nationwide. Official consumer-facing eligibility guidance says flood products are available in all 50 states and only in the United States. Preferred business appears to be standard residential and other insurable flood risks that can be instant-quoted through Neptune’s online platform, with quoting/binding designed to be completed in about two minutes. The public site shows residential, commercial, and condominium building flood offerings, and support materials reference primary and excess options. Published ineligible or declined property characteristics include: manufactured or mobile homes; buildings located partially or entirely in, on, or over water; properties with more than one prior flood loss; and properties with a single prior flood loss greater than $25,000. Agent marketing material also lists CBRA properties as ineligible. Geographic restrictions published on the official availability page include no write appetite for homes located in Fire Island, New York; Padre Island, Texas; Block Island, Rhode Island; Chesterfield Flats, Missouri; Topsail Beach, North Carolina; and Monroe County (Key West), Florida. Neptune also states its internal risk engine, Triton, may decline otherwise acceptable properties based on factors such as flood likelihood, risk characteristics, and elevation. Submission expectations are highly digital: brokers/agents and direct customers are directed to quote online, and Neptune states the system will determine eligibility quickly. Broker/producer notes publicly available on official pages include: new agents can enroll online; existing agents can log in through the agent portal; trailing documents can be uploaded through the policy management system; policy changes for agent-sold business are generally routed through the registered agent; and general agent support is handled through chatbot or support@neptuneflood.com. Terms of use also indicate Neptune acts as an MGA/program administrator and places business with surplus lines insurers, with binding only through the authorized electronic binding process.