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  • Understanding the appropriate insurance limits and proper coverage for a home or business is vital, yet many buyers continue to underestimate the risks they may face. Program Brokerage Corporation (PBC) has access to an in-house Excess Flood insurance program underwritten by a panel of A-rated carriers.


    This national program will help ensure adequate funds are available to repair your clients’ homes and/or businesses.


    Coverages Offered:

    • Contents Coverage: Available for Residential and Non-Residential Properties

    • Loss of Income Coverage: Net Business Income or Loss of Rent

    • Additional Living Expenses

    • Replacement Cost Available

    • Drop Down Business Income Coverage Available

    • Limits Available: Up to $15 million combined limits for building and contents.


    Target Business:

    Personal Lines: residential properties including:

    • Apartments

    • Condominiums/Cooperatives

    • Dwellings

    • Townhouses


    Commercial Lines: commercial properties in a wide array of industries, including:

    • Construction

    • Education

    • Hospitality

    • Hotel/Motel/Short-Term Rental

    • Industrial

    • Manufacturing

    • Office and Administrative

    • Real Estate (Residential & Commercial)

    • Retail

    • Warehousing

    • And more


    Territory: Nationwide


    Limits Available: Up to $15 million combined limits for building and contents.


    Turn Around:  24 hours (up to 48 hours for referral business).


    Please CLICK HERE for the program overview.

    Please CLICK HERE for the program application.


    For speedy quoting, all e-mail submissions should be sent to


    For more information, please contact:


    Cynthia O'Brien | 212-338-2907 |

    Gary Shapiro | 516-496-1346 |

    Tom Henderson | 212-338-2946 |

    Barbara Warn | 212-338-2945 |

    Stephanie Mulrane | 212-338-2949 |

    Mark Fox | 516-364-7747 |

    Phil Clemente | 212-338-2983 |

    Lauren Cohen | 212-338-2239 |