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Commercial Lines

Selective Flood Insurance

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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Financial Strength

A Excellent (Selective Insurance)

Revenue Appetite

NFIP commercial limits up to $500K building, $500K contents per location. Private flood writes higher limits for accounts requiring more capacity.

Key Industries

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

Selective

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.

BOP Appetite

Not a BOP carrier through this program. Selective writes flood specifically.

Industry Classes

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

Do We Work With Them?

Yes, for Georgia commercial flood placements.

Quick qualifier

Is This Carrier Right for Your Business?

✓ Best Fit Profile

Georgia commercial property owners in flood zones who need NFIP coverage or private flood as a standalone or as a supplement to their commercial property policy.

⚠ Not the Right Fit If...

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

✓ Strengths

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

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

Available with no direct appointment volume requirements.

⚠ Weaknesses

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

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

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

Claims

What Happens When You File a Claim

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

What It Typically Costs

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.

Comparison

How They Compare

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.

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Coverage

Commercial Lines We Place With This Carrier

Coverage type

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