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Commercial Primary Flood

10 Reasons Why™

  1. Competitive rates
  2. A++ (Superior) A.M. Best rating
  3. 50 years of niche underwriting experience
  4. Business Income available (not available through NFIP)
  5. Elevation certificates not required
  6. Replacement Cost coverage
  7. Ability to schedule locations
  8. Quick claims adjusting
  9. Multiple deductible options
  10. Ease of application

Commercial Primary Flood 10 Reasons Why

Benefits of the Program

Philadelphia Insurance Companies (PHLY) understands that protecting your business assets from a flood is very important. Our Commercial Primary Flood Program is an alternative to the National Flood Insurance Program (NFIP). Eligible risks* will receive competitive prices, broad coverage and an easy application process.

All policies are individually rated based on a property's location elevation, flood zone, number of stories, construction type, foundation type and loss history. Higher limit options are available and coverage is available for high hazard flood zone.

* If a risk does not qualify for our program we will submit your application to the NFIP.

Click here to complete a Producer Profile / Application if you are not already approved to write business with PHLY.

Please send all completed applications to PHLYFlood@wncfirst.com


Please select state specific forms when applicable.

Documents Required for Proposal

  • Completed, signed and dated Commercial Primary Flood Application
  • Copy of your Primary Flood Declaration Page (if available)
  • Please send all completed applications to PHLYFlood@wncfirst.com

Documents Required for Binding

  • Signed Commercial Primary Flood Application
  • Diligent Effort Letter or Surplus Lines Affidavit
  • Net Premium, Taxes and Fees
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