Providing Innovative

Flood Insurance Programs For Your Company

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Welcome to Highland Insurance Solutions

A private flood program will allow your company the ability to expand your flood opportunities while taking advantage of the flood models, expertise and reinsurance associated with placing a flood program with Highland Insurance Solutions, an equity partner of Tokio Marine Kiln, a wholly owned subsidiary of the Tokio Marine Group.


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Highland Services

Our services range based on the need of the company and the type of flood product offered.

  • Flood Contract Development (stand-alone or endorsement)
  • Staff Training
  • Rate Matrix
  • Underwriting Guidelines
  • Underwriting Services
  • Reinsurance
  • Policy & Forms
  • Portfolio Exposure Management
  • Business Model
  • Claims Administration & Adjusting
  • Marketing Support
  • Complete Reporting to Insurance & Reinsurance Companies

The residential primary flood program offers flood coverage on residential properties written on a primary basis with limits of 500,000 building coverage and 200,000 contents coverage at rates competitive with the NFIP. Additional living expenses up to 100,000 may be available subject to underwriter approval.

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The commercial flood program offers coverage on commercial properties written on a primary basis with up to 5 million in total limits (building and contents limits combined) per building. The maximum contents coverage of 1 million dollars per building and business income coverage of up to $100,000 per building is available.

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Residential Program

Commercial Program

News

  • Industry flood premiums have increased due to additional surcharges and fees.
  • Offer your clients a better flood option.
  • Enhanced flood programs created to meet your clients’ needs.
  • Unique flood solutions provide a competitive advantage.
  • Industry flood premiums have increased due to additional surcharges and fees.
  • Offer your clients a better flood option.
  • Enhanced flood programs created to meet your clients’ needs.
  • Unique flood solutions provide a competitive advantage.
  • Complete the short form below and a Highland Insurance Solutions representative will contact you.