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.
Ratings
How This Carrier Rates
Overview
About This Carrier
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
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.
Limitations to Know
Where They Fall Short
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
Right Fit
Who They Are Best For
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
- Line of Business
- Commercial Lines - Flood
- Coverage Types
- Commercial flood (NFIP and private), commercial property
- States Available
- All 50 states
- Commercial Lines States
- All 50 states
- Max Business Revenue
- NFIP commercial limits up to $500K building, $500K contents per location. Private flood writes higher limits for accounts requiring more capacity.
- BOP Appetite
- Not a business owners policy 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
Pricing & Claims
What to Expect
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.
Pricing Context
Selective prices business owners policy and commercial package policies competitively for preferred commercial accounts with clean loss records in standard classes.
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.
File a Claim
- Phone 877-348-0552
- Hours24/7 phone and online
- Online Claims portal
Admitted Status: Admitted in Georgia. Selective is one of the leading flood insurance carriers nationally.
Compared
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.
Quick Facts