INSURANCE CARRIER
Selective Flood Insurance
NFIP and private commercial flood coverage for Georgia businesses. Required for properties in FEMA Special Flood Hazard Areas, and available for properties in moderate flood zones.
Commercial Lines - Flood
- File a claim 877-348-0552 · 24/7 phone and online
- Online Account & claims portal
- After hoursFlood claims: 1-866-455-9969 anytime.
Coverage Focus
What this carrier writes
Overview
About This Carrier
Selective Insurance writes commercial flood coverage on a national footprint, including both NFIP and private flood. They write both NFIP policies and private flood coverage for Georgia commercial property owners. Available through Olive Cover to place coverage in Georgia.
Strengths
What This Carrier Does Well
Writes commercial flood nationally through both NFIP and private flood, with a flood-focused commercial book.
Both NFIP and private flood markets accessible through one carrier relationship.
Available with no minimum 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 claims operation is flood-focused, reflecting a commercial book concentrated in flood.
Admitted Status: Admitted in Georgia. Selective writes commercial flood through both NFIP and private flood markets.
Olive Cover, the brand of Olive Insurance Services, LLC, is your independent insurance agent. We help you file your claim and advocate on your behalf. Coverage decisions on any claim are made by your insurance carrier under the terms of your policy.
Quick Facts
At a Glance
Common Questions
Frequently asked questions
When do we use Selective for flood coverage versus NFIP?
Selective private flood wins for Zone X and moderate AE properties where it beats NFIP on price and offers higher limits with ALE coverage.