Flow launches platform that quotes seven private flood options in 90 seconds

Flow says independent agents can now compare seven private flood quotes and the NFIP rate in one workflow, with quotes in as little as 90 seconds and real-time binding. The platform aims to cut out elevation certificates, separate portals and manual servicing for flood insurance.

Why it matters: - Flood insurance placement has traditionally required agents to use multiple systems, wait for quotes and track down documents. - Flow is trying to compress that work into one platform, which could speed up sales and reduce service burden for independent agencies. - The platform is built for agents first, with the goal of keeping more of the process inside one workflow.

What happened: - Flow says its platform lets agents compare seven private flood quotes and the NFIP rate side by side. - Quotes can come back in as little as 90 seconds. - The platform offers real-time binding so agents can quote, bind and issue policies without leaving the system. - Flow says the platform is available in 43 states. - Coverage spans residential, commercial and CBRA properties.

The details: - Pre-filled underwriting data and advanced mapping technology remove the need for elevation certificates, according to Flow. - Automated e-signature applications are built into the quoting and binding flow. - Self-service servicing handles endorsements, mortgagee changes and policy updates. - The platform includes advance renewal notifications. - Policyholders get a client portal, which Flow says can reduce routine service calls. - Flow was founded by former independent agency owners. - Abbe Sultan, Flow co-founder, said the platform is designed so agents can spend time advising clients instead of dealing with software. - Flow says independent agents can request access at www.flowinsurance.com. - Flow also directs readers to learn more at the company's website. - Flow's LinkedIn page is here.

Between the lines: - The pitch is less about adding another quoting tool and more about replacing a fragmented flood insurance workflow. - By combining comparison, binding and servicing, Flow is targeting one of the most time-consuming parts of independent agency operations. - The platform's emphasis on speed and self-service suggests Flow is betting agents will trade manual control for faster turnaround and less administrative work.

What's next: - Independent agents can request access now through Flow's website. - Flow appears to be using the launch to broaden adoption across its 43-state footprint. - The company will likely be judged on how well the platform performs in live quoting, binding and servicing, not just on speed claims.

The bottom line: - Flow wants to make flood insurance feel as fast and simple as any modern insurance workflow, with seven private options, the NFIP and servicing in one place.