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Dual Insurance 

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Dual Flood Insurance

Dual's program focuses on Private Primary and Excess Flood and offers primary flood coverage through their online rating portal as a competitive alternative to the NFIP.

Excess Flood Coverage is available in all 50 states.

  • Non-Admitted

  • A.M. Best Rating: A

  • Carrier: Lloyd's of London

  • Renewals: Automatic

  • Direct Bill


  • Competitive with NFIP pricing

  • Policy wording meets lender compliance

  • No Elevation Certificate (EC) is required but some locations  may required EC to bind coverage

Coverages Available

  • Buildings and contents coverage mirrors the NFIP form and is lender compliant

  • Business income / rental value (including extra expense)

  • Loss of income - net business income or loss rent

Program Benefits

  • Ability to schedule multiple locations into one policy

  • Loss of income / loss of rents coverage

  • Improvements & Betterments additional limits

  • Replacement cost coverage for building & contents

    • Private primary flood only

Building flooded

Primary Flood Limits

  • Combined building & contents limit up to $5M

  • Business income: $500,000

Building Flooded

Excess Flood Limits

  • $20M combined coverage limit (higher limits available on a submit for rating basis)

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