NFS Edge Insurance
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
Official branding is Aon Edge (formerly associated with NFS Edge). Current published flood guidance found for EZ Flood Commercial. Target risks are small-to-mid commercial property owners seeking private flood coverage with digital quote/bind capability, customizable limits, and optional business income. Published eligible use types include bars/taverns, beauty salons, hotels, mercantile buildings, office buildings, parking garages, religious buildings, restaurants, retail clothing/food, and warehouses excluding perishables. Flood-zone availability is published for inland and non-surge-exposed B, C, and X zones, plus positively elevated A and V zones. Geographic availability is nationwide except Alaska, Hawaii, Kentucky, and the District of Columbia. Program materials indicate limits up to $7.5M TIV, though one product sheet excerpt references $5M; use the appetite guide/product-specific quote platform for current binding authority and subjectivities. Published ineligible/restricted risks include any prior flood loss history, existing or unrepaired flood damage, asbestos construction, buildings partially or entirely over water, structures not on a permanent/fixed foundation, chemical or fertilizer risks, standalone business interruption, standalone BPP, and BPP/BI not written with buildings except leasehold improvements and betterments. Additional classes shown as outside appetite or specially restricted include pharmacies, airports, amusement parks/fairgrounds, boat yards, bowling alleys, camps, cement plants, chemical plants, convention centers, farming, gasoline stations, grocery stores, gyms/indoor sports clubs, condominium buildings, individual habitational units, multifamily, kennels, marinas, mobile home parks, racetracks, radio/TV stations excluding towers, railroad properties, recycling, sewage treatment plants, enclosed stadiums, vehicle showrooms, and perishable warehouses. Producer guidance: agents must have an active appointment with Aon Edge to quote or purchase private flood products. Registration may require agency tax ID, agency licenses, E&O documentation, and a list of users/emails for login credentials; appointment requirements vary by agency type/affiliation. Producer brokerage agreement instructions also call for agency licenses, list of agents/producers for intended states, E&O verification, office addresses, ownership/officer information, and explanatory disclosure documentation if applicable. Operationally, broker submissions should confirm class eligibility, flood zone/elevation acceptability, state availability, and that requested BI/BPP is attached appropriately to building coverage before submission.