Flood Policies That Protect Small Businesses and Help Them Recover

Flooding is not covered under property policies, so small businesses need a separate flood insurance policy. More than 25% of small businesses never reopen after a natural disaster, but flood insurance from Attune, through our carrier Neptune, can change that – helping them recover losses directly caused by flooding, cover business interruption and bounce back strongly. It only takes five minutes from quote to bind to get your customers protected.


Neptune Flood offers Commercial Flood Insurance Coverage to small and medium-sized business owners, commercial buildings, and residential condominium buildings (RCBAP).

Main Street Mercantile Commercial Buildings

An entire office, retail, restaurant, industrial, other non-residential building.

Mixed Use Building

Some residential and some commercial use in the same building. Coverage for the entire building.

Hotels, Motels, Inns

Coverage for the entire building.

Apartment or Co-op

An entire apartment building or co-op (not condominium form of ownership).

Entire Residential Condo Building

Residential Condominium Building Association Policy – Requires condominium form of ownership.

Our Partners

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  • Building Coverage up to $4,000,000 and Contents Coverage up to $500,000
  • Option to add $25,000 in Business Interruption insurance that provides $500 a day for up to 50 days after a 14-day wait period. So, if your client’s building is closed for 64 days after a flooding event, they would collect $25,000 in Business Interruption Coverage.
  • Unlike an NFIP policy, Neptune covers tenant improvement and betterments with no sublimit

Building square footage:

  • A & X Zones: No minimum, maximum 100,000 square feet
  • V Zone: No minimum, maximum 25,000 square feet
  • Note: based on the entire building square footage, not only the occupied or leased/rented space


  • Direct billing
  • Automatic renewal
  • 90% of time its cheaper than NFIP
  • Available in every state but Alaska and Kentucky
  • Up to $4M in Building Coverage
  • Up to $500K in Contents Coverage
  • Up to $25k in Business Interruption Coverage

Additional Information:

  • Neptune Flood Insurance 
  • Neptune uses a number of carriers to place risk. All carriers are rated “A” (Excellent) or better by A.M. Best.
  • No Elevation Certificate (EC), photos, or trailing documents needed
  • Risks written across all flood zones


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Do More with Less on the Attune Portal.

We make finding what business is in appetite and servicing your policy easier than ever before, including auto-renewal and paperless direct billing

• Direct access with absolutely zero production requirements 
• Competitive commission
• Instant decisions—5 minutes from quote to bind
• Paperless application – no ACORD forms needed, ever
• Direct, online billing, and autopay
• Live customer support via chat and phone call 
• Automatic renewals