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. PBC's in-house Excess Flood insurance program underwritten by a panel of A-rated carriers will help ensure adequate funds are available to repair your clients’ homes and/or businesses, with no minimum premium!

learn more

Program Details

  • Coverage
  • Target Business
  • Territory
  • Documents

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.

Minimum Premium: None


Click HERE to view the full program overview.

Target Business Classes:


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

PBC’s in-house excess flood program is national and available in all states.

The resources you’ll need to get started.


Excess Flood Program Application


For speedy quoting, all e-mail submissions should be sent to [email protected].


Contact Us

Our experts are here to help you.

For more information, contact one of our program specific experts listed or submit a general inquiry.

For more information, please contact:

Gary Shapiro
Senior Vice President


[email protected]

Tom Henderson
First Vice President

Tom Henderson


[email protected]