Flow Insurance Services Inc

What Flow Insurance Services Inc does

Flow Insurance Services, Inc. is a private California-domiciled insurance agency and technology company founded in 2018 by former independent agency owners, operating the Flow Flood Marketplace — a cloud-based platform through which independent insurance agents quote, bind, endorse, and renew flood insurance across 43 U.S. states. The platform aggregates six private flood insurance products alongside NFIP rates for comparison and targets three core product lines: residential flood (coverage up to $2.5 million), commercial flood (brokerage division with building limits up to $50 million across single-building, multi-building schedule, excess, and farm/ranch sub-products), and CBRA zone specialty flood for federally restricted coastal areas where NFIP coverage is unavailable.

The technical architecture centers on a proprietary mapping engine that determines flood zone, square footage, and year built without requiring elevation certificates in many cases, paired with a pre-filled underwriting data pipeline that enables 90-second quote generation. The system includes integrated DocuSign workflows, real-time policy binding and declarations issuance, automated renewal processing with multi-party notifications (agents, policyholders, lenders), and a three-portal architecture (agent, customer, lender) for role-specific self-service.

Flow earns revenue through commissions from carrier partners on policies placed via its marketplace and brokerage, operating a pure channel model with no direct-to-consumer sales. Distribution is exclusively through appointed independent insurance agents, with a low-friction appointment process (no production requirements). The company holds California Insurance License #0F79311 and is privately held with no disclosed external funding, operating with a headcount in the 1-10 range.

Name

Flow Insurance Services Inc

Legal name

Flow Insurance Services, Inc.

Website

https://flowinsurance.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

Flow Insurance Services is a California-based insurtech operating the Flow Flood Marketplace, a cloud platform that enables independent insurance agents across 43 states to quote, bind, and service residential, commercial, and CBRA-zone private flood insurance products.

Ownership category

akta.pro rank

Product category

Flood Insurance

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Flood Insurance (FSAJACAG)

Keywords

• Flood insurance marketplace
• Residential flood insurance
• Commercial flood insurance
• Insurance brokerage services
• Insurtech platform

Headquarters

HQ city

San Francisco

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Technology or R&D, Operations, Personnel, Marketing or Sales, Infrastructure

Revenue model

1. Flood Insurance Premiums: Flow acts as a marketplace and brokerage platform for flood insurance products. The company earns commissions from insurance carrier partners for policies placed through its platform. Revenue is generated from premium payments on residential and commercial flood policies, with commissions paid by carrier partners.
2. Brokerage Fees: Commercial flood insurance is offered through the brokerage division with direct access to underwriters. The company earns brokerage commissions on commercial flood policies with building limits up to $50,000,000.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels3 records

Core offering

Flow Insurance Services Inc operates a technology-enabled flood insurance marketplace and brokerage that aggregates six private flood insurance carrier products alongside NFIP rates. Through its multi-portal platform, independent insurance agents can quote, bind, endorse, and renew flood insurance policies for residential and commercial property owners across 43 U.S. states, with proprietary mapping technology enabling 90-second quoting without elevation certificates in many cases.

Product overview

Flow Insurance Services Inc operates as a flood insurance marketplace and brokerage, offering a unified platform called the Flow Flood Marketplace through which independent agents can quote, bind, endorse, and renew flood insurance. The product portfolio consists of three main insurance products—Residential Flood Insurance (with limits up to $2,500,000), Commercial Flood Insurance (via brokerage division with building limits up to $50,000,000), and CBRA Zone Specialty Flood Insurance (for federally protected coastal areas)—complemented by four commercial sub-products (Single Building, Multi-Building Schedule, Excess, and Farm and Ranch). All products are accessible through the award-winning Flow Flood Marketplace platform, supported by dedicated Agent, Customer, and Lender self-service portals.

Differentiator

Problem solved

Functional benefit

Products and services

• Flow Flood Marketplace Award-winning digital marketplace enabling independent agents to quote, bind, endorse, and renew 6 different private flood insurance products on a single platform, including NFIP rate comparison.
• Residential Flood Insurance Flood insurance coverage for residential properties (primary residences and rental properties) with coverage limits up to $2,500,000, quoted through the Flow Flood Marketplace platform with multiple carrier options.
• Commercial Flood Insurance Commercial flood insurance covering single-building risks through multi-location schedules with building limits up to $50,000,000, offered through Flow's brokerage division with direct access to underwriters.
• CBRA Zone Specialty Flood Insurance Specialized flood insurance program for properties in Coastal Barrier Resources Act (CBRA) zones where NFIP coverage is unavailable, with building maximum of $1,750,000 and contents maximum of $100,000.
• Agent Portal Web-based portal for appointed independent agents to quote, bind, endorse, and service flood insurance policies in real time.
• Policyholder Portal Self-service portal allowing policyholders to access policy documents and make renewal payments.
• Lender Portal Dedicated portal for lenders to access policy information, documentation, and coverage verification.

Quantifiable outcome

• Quote in 90 seconds with pre-filled underwriting data
• +2 more outcomes

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature6 records

Partnerships

One partnership is on record.

• Multiple Unnamed Insurance CarrierscoreChannel Partner/ Reseller/ DistributorFlow's marketplace aggregates flood insurance products from multiple unnamed insurance carrier partners. The platform displays rates and coverage options from all partners alongside NFIP rates, enabling agents to compare and select optimal coverage for their clients. Seven carrier partner logos are displayed on the website.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Palomar Specialty Insurance: Palomar is a specialty P&C carrier and MGA with exposure to catastrophe and flood lines via its affiliated brands. It is comparable as a specialty insurance carrier/marketplace operator participating in private flood and excess placement.
• Aon: Aon is a global insurance brokerage that places complex commercial flood and excess placements. It is comparable as a broker channel that competes for agent-originated commercial flood business, particularly on large multi-location and excess risks.
• Lemonade: Lemonade is a tech-enabled insurance carrier using AI-driven underwriting and digital distribution across renters, homeowners, and pet lines. It is comparable as a digitally native insurance distribution model pursuing tech-led underwriting efficiency.
• Hiscox: Hiscox is a specialty insurer offering small business and specialty personal lines, including flood, through agents and digital channels. It overlaps with Flow's commercial and specialty flood distribution, and as a carrier it could be a Flow partner or competitor.
• ICAT: ICAT is a specialty catastrophe insurance provider and managing general agent that underwrites and distributes flood, earthquake, and wind coverage. It overlaps with Flow on residential and commercial flood product origination and carrier-aggregator dynamics.

Direct peers

• Wright National Flood Insurance Services: Wright Flood is one of the largest Write-Your-Own (WYO) flood insurers and a major participant in both NFIP-servicing and private flood distribution. It competes with Flow across residential and commercial flood placement and is a likely carrier/competitor in the same agent channel.
• Neptune Flood Insurance: Neptune Flood is a private flood insurance agency and technology platform that places residential and commercial flood policies through a network of agents and carriers. It is the most directly comparable peer to Flow, competing head-to-head on private flood product aggregation, agent quoting, and CBRA / specialty coverage.

Emerging players

• Openly: Openly is a tech-enabled homeowners insurance agency that distributes through independent agents with a single-platform quoting and binding experience. It shares Flow's agent-channel distribution, multi-portal architecture, and speed-of-quoting differentiation.
• Hippo Insurance: Hippo is a tech-enabled home insurance carrier using smart-home data and digital distribution, with catastrophe coverage including flood in many states. It is comparable as a technology-led homeowners insurer competing for the same property owner end customer via a modernized experience.
• Kin Insurance: Kin is a tech-enabled homeowners insurance carrier that distributes through digital channels and embedded partnerships, including flood offerings in catastrophe-prone regions. It is comparable as a tech-forward insurance distributor using data and quoting automation to compete on speed and price.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/flowinsuranceservices

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Flow Insurance Services Inc