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October 24, 2025

Neptune Continues to Provide Flood Coverage During NFIP Lapse

The ongoing federal government shutdown has created uncertainty for business owners nationwide. With the National Flood Insurance Program (NFIP) unable to accept new applications, renew existing policies, or process new claims, essential flood insurance coverage has become inaccessible for many—a major concern as we remain in the heart of hurricane season. 

In the midst of this unpredictability, we’re happy to confirm that our partner, Neptune Flood Insurance, remains fully operational and is stepping up to fill the void created by the NFIP's lapse. 

As the largest private flood insurer in the U.S., Neptune is uniquely positioned to continue providing essential coverage without interruption. They are actively issuing new policies and supporting the smooth continuation of policies for businesses that require mandatory flood insurance. 

This partnership ensures that your customers can secure the necessary protection—and keep their transactions moving forward—even while the government program is on hold.

Find out more and quote flood coverage today!