# Flow Flood Insurance

> Private flood insurance MGA providing agents with a multi\-carrier digital quoting and binding platform

## At a glance

| Field | Value |
| --- | --- |
| Type | MGA |
| Region | NA |
| Headquarters | San Francisco, California |
| Founded | 2017 |
| Stage | Startup |
| Employees | 11-50 |

## Overview

Flow Flood Insurance is a private flood insurance MGA distributing coverage exclusively through independent insurance agents across 43-45 US states. The company was founded by former independent agency owners Michael Pallas and Abbe Sultan, who built the platform to eliminate operational friction in flood insurance placement for retail agents.

The MGA partners with 15 or more private flood carriers to offer multiple rate and coverage options in a single workflow, alongside National Flood Insurance Program (NFIP) comparisons. Lines underwritten include residential flood, commercial flood, and coverage for properties in Coastal Barrier Resource Act (CBRA) zones. Binding authority is exercised across all flood zones.

Distribution is focused entirely on independent agents who access the platform through a web-based portal. The platform's automated flood zone identification and underwriting pre-fill are designed to reduce quote time, with bind capability executed on-platform with real-time policy document issuance and automatic lender declarations.

## Products & services

### Residential Flood Insurance

Digital quoting and binding for residential flood coverage. Automated flood zone identification pre-fills underwriting data, reducing the quote process to approximately 90 seconds.

**Key features:**

- Comparison across 6 flood policy options plus NFIP rates
- All flood zones covered
- Automated e\-signature via DocuSign integration

*Target users:* Homeowners served through independent insurance agents

*Distribution:* Retail independent agents

### Commercial Flood Insurance

Business property flood coverage using the same agent-facing digital platform as the residential product.

**Key features:**

- Commercial flood across all zones
- Multi\-carrier rate comparison
- On\-platform bind with real\-time document issuance

*Target users:* Commercial property owners served through independent insurance agents

*Distribution:* Retail independent agents

### CBRA Flood

Specialized flood coverage for properties situated in Coastal Barrier Resource Act zones, which are typically excluded from standard flood programs.

**Key features:**

- Coverage in otherwise hard\-to\-place CBRA locations
- Presented alongside standard flood options in the same workflow

*Target users:* Property owners in CBRA\-designated areas

*Distribution:* Retail independent agents

## Links

- Website: <https://flowinsurance.com>
- Directory profile: <https://insurtechlist.com/companies/flow-flood-insurance/>
- Linkedin: <https://www.linkedin.com/company/flowinsuranceservices>
- Agent portal: <https://agents.flowinsurance.com>
- Customer portal: <https://customers.flowinsurance.com>

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*Last updated: 2026\-05\-12*