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.


  • 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 it easy to find what is in appetite and simpler to service your policy 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