NFIP and private commercial flood coverage for Georgia businesses. Required for properties in FEMA Special Flood Hazard Areas, recommended for moderate flood zones.

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RATINGS & OVERVIEW

How This Carrier Rates

AM Best

A Excellent (Selective Insurance)

JD Power Personal

JD Power Commercial

Commercial flood specialist, outside the scope of the J.D. Power Small Commercial study.

NAIC Complaint Index

Selective Insurance is one of the largest flood insurance carriers in the United States. They write both NFIP policies and private flood coverage for Georgia commercial property owners.

WHY CHOOSE THEM

What This Carrier Does Well

Strength 1

Among the largest commercial flood writers nationally with deep flood underwriting and claims expertise.

Strength 2

Both NFIP and private flood markets accessible through one carrier relationship.

Strength 3

Available with no direct appointment volume requirements.

LIMITATIONS TO KNOW

Where They Fall Short

Weakness 1

Flood-focused. Not a primary commercial property carrier for non-flood coverage.

Weakness 2

NFIP commercial limits cap at $500K building and $500K contents per location, which means larger accounts need private flood capacity layered on top.

Weakness 3

Selective's commercial appetite outside flood is narrower than primary commercial carriers; clients needing comprehensive multi-line commercial coverage need a separate primary carrier

Best Fit For

Small to mid-size preferred commercial businesses in standard industries, including professional services, retail, and light commercial operations with clean loss histories.

Not A Good Fit For

High-hazard industries, accounts with recent losses, or non-standard risks. Selective's commercial appetite is narrowly focused on preferred accounts in standard classes.

APPETITE & COVERAGE

What They Write

Coverage Types

Commercial flood (NFIP and private), commercial property

Best Pricing For

Commercial flood placements for Georgia properties in FEMA Special Flood Hazard Areas, mixed-use buildings with flood exposure, and coastal commercial property.

Industry Classes

All commercial property classes with flood exposure: retail, office, industrial, habitational, mixed-use, and lender-required flood coverage

Admitted Status

Admitted in Georgia. Selective is one of the leading flood insurance carriers nationally.

CLAIMS & PRICING

What to Expect

Claims Experience

Selective handles flood claims through their established adjuster network and FEMA-compliant claims process for NFIP policies. Their flood claims expertise is among the deepest in the industry given their flood-focused commercial book.

Pricing Context

Selective prices BOP and commercial package policies competitively for preferred commercial accounts with clean loss records in standard classes. Pricing is stronger for accounts placed by established agency partners.

vs Competitors

NFIP flood is rate-equalized across all writing carriers, so the choice between Selective and another NFIP carrier comes down to service. Private flood markets like Wright, Neptune, and Aon Edge compete on rate for non-SFHA accounts; Selective is competitive across both NFIP and private placements.

STATE AVAILABILITY

Where They Write

States Available

All 50 states

Personal Lines States

Commercial Lines States