Coastal Flood Underwriters
- Company typePrivate
- Founded2017
- HeadquartersClearwater, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
Coastal Flood Underwriters firmographics
Firmographics- Name
- Coastal Flood Underwriters
- Legal name
- Coastal Flood Underwriters, LLC
- Website
- https://coastalfloodunderwriters.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
Coastal Flood Underwriters industry classification
Industry- Product category
- Flood Insurance Brokerage
- NAICS
- Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)
- akta.pro industry
- Flood InsuranceFinancial & Insurance/Insurance — Motor, Property & Casualty/Property Insurance (Homeowners, Renters & Commercial Property)Wholesale Insurance Brokerage (Excess & Surplus Lines)Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Insurance Brokerage & Risk Advisory
Keywords
Where Coastal Flood Underwriters is headquartered
LocationHeadquarters
- HQ city
- Clearwater
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Coastal Flood Underwriters business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D
Revenue model
- Wholesale Insurance Brokerage: Coastal Flood Underwriters operates as a wholesale broker earning commissions from insurance carriers (A-rated companies) for placing flood insurance policies. They offer competitive commissions to agents and earn revenue through the spread between wholesale and retail pricing or through commission-based arrangements with carrier partners.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Annual | NFIP Primary Flood - Standard government-backed flood insurance |
| Other | Annual | Private Residential Flood - Higher limits than NFIP with replacement cost coverage |
| Other | Annual | Excess Flood - Follows primary flood coverage |
| Other | Annual | CBRA Flood - Up to $1.0M dwelling coverage for CBRS areas |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels3 records
Coastal Flood Underwriters product offering
Product offeringCore offering
Coastal Flood Underwriters, LLC is a wholesale flood insurance broker headquartered in Oldsmar, Florida that distributes flood insurance programs from A-rated carriers to retail insurance agents coast-to-coast across the United States. The firm offers multiple flood programs—including NFIP Primary, Private Residential, Excess, RCBAP, Private Commercial, and CBRA flood—delivered through online quoting and policy-management portals with hands-on individual risk review.
Product overview
Coastal Flood Underwriters operates as a wholesale flood insurance broker offering a portfolio of six distinct flood insurance products through their online quoting system and partner portal. The product lineup includes NFIP Primary Flood (government-backed program), Private Residential Flood, Excess Flood, RCBAP Flood, Private Commercial Flood, and CBRA Flood coverage. These products are distributed through their proprietary online system for NFIP quotes and a separate online portal for private flood products, with submission handled via email with supporting documents.
Differentiator
Problem solved
Functional benefit
Products and services
- NFIP Primary Flood
Quantifiable outcome
- Coverage exceeds NFIP benefits with higher limits and replacement cost options
- +1 more outcomes
Companies that use Coastal Flood Underwriters
Customer profileSegments3 records
Ideal customer profiles1 record
Coastal Flood Underwriters technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
Coastal Flood Underwriters partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- A-rated Insurance CompaniescoreCoastal Flood Underwriters works with multiple A-rated insurance carriers to provide flood insurance coverage. These carrier partners provide the actual insurance products while CFU acts as the wholesale broker distributing these products to agents.
Scale indicators1 record
Recent moves5 records
Expansion highlights4 records
Coastal Flood Underwriters competitors and assessment
Company assessmentDirect peers
- Skyway Insurance: Independent wholesale broker and MGA offering E&S and specialty flood coverage to agents; directly comparable wholesale/brokerage model.
- Risk Placement Services (RPS): Wholesale broker and MGA placing flood risk for retail agents across the U.S.; comparable wholesale distribution and carrier relationships.
- Burns & Wilcox: National wholesale insurance broker offering admitted and E&S flood coverage through appointed agents; directly comparable wholesale distribution model.
- USAssure: Specialty flood insurance program manager offering agent-uploaded flood policies, including NCIP and private products, mirroring CFU's wholesale model with online quoting.
- Neptune Flood: Tech-enabled flood MGA distributing private flood and excess flood coverage to retail agents via a digital platform; directly comparable product mix and distribution.
- Wright National Flood Insurance Company: Direct writer of NFIP and private flood policies; closely comparable as a specialized flood insurance provider serving agents through wholesale and direct channels.
- Palomar Excess and Surplus Insurance: Specialty carrier that issues residential and commercial flood as part of an E&S portfolio; comparable as a private flood capacity provider CFU could leverage or compete with.
- CRC Insurance Services: Large wholesale broker placing property and flood coverage with admitted and E&S carriers through agents; comparable wholesale flood placement.
Broad incumbents
- Assurant Flood Insurance: Broader specialty property and lender-placed flood carrier with national reach; overlaps with CFU in residential and lender-related flood but on a much larger scale.
- AmRisc (Amwins): Large managing general underwriter and wholesale broker placing E&S property and flood risk across the U.S.; comparable in distribution but broader and larger scale.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks5 records
Key highlights6 records
Customer concentration
Coastal Flood Underwriters social profiles
Digital presenceCoastal Flood Underwriters financial estimates
Financial estimateRevenue estimate
Valuation estimate
Coastal Flood Underwriters leadership team
Management profileNumber of profiles
Coastal Flood Underwriters funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Coastal Flood Underwriters M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Coastal Flood Underwriters
What does Coastal Flood Underwriters do?
Coastal Flood Underwriters, LLC is a wholesale flood insurance broker headquartered in Oldsmar, Florida that distributes flood insurance programs from A-rated carriers to retail insurance agents coast-to-coast across the United States. The firm offers multiple flood programs—including NFIP Primary, Private Residential, Excess, RCBAP, Private Commercial, and CBRA flood—delivered through online quoting and policy-management portals with hands-on individual risk review.
Is Coastal Flood Underwriters a public or private company?
Coastal Flood Underwriters is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Coastal Flood Underwriters founded?
Coastal Flood Underwriters was founded in 2017. It employs 1 to 10 people.
Where is Coastal Flood Underwriters based?
Coastal Flood Underwriters is headquartered in Clearwater, United States, in the North America region.
How does Coastal Flood Underwriters make money?
One revenue line is on record: wholesale Insurance Brokerage.
Who are Coastal Flood Underwriters's main competitors?
Direct peers on record are Skyway Insurance, Risk Placement Services (RPS), Burns & Wilcox, USAssure, Neptune Flood, Wright National Flood Insurance Company, Palomar Excess and Surplus Insurance and CRC Insurance Services. Broad incumbents are Assurant Flood Insurance and AmRisc (Amwins).
Does Coastal Flood Underwriters have an API?
No public API is recorded for Coastal Flood Underwriters.
What industry is Coastal Flood Underwriters in?
Coastal Flood Underwriters's product category is Flood Insurance Brokerage. Its primary akta.pro industry code is FSAJACAG, Flood Insurance, with a secondary code of FSAEADAD, Wholesale Insurance Brokerage (Excess & Surplus Lines). Its NAICS code is 52421 and its SIC code is 6411.