Flood Insurance through The Hartford

Since 2004, PIA and The Hartford have joined together to provide PIA member agents the opportunity to offer your customers flood insurance through The Hartford, a WYO company. The program is available to PIA members and their policyholders in all 50 states, the District of Columbia and Puerto Rico. PIA members earn great commissions on flood insurance sales with The Hartford and, if they want, a flood insurance processing center that does most of the heavy lifting for them.

Want detailed program information? Watch a prerecorded webinar.

Have a question? Ready to enroll? Please contact Neil Randerson of The Hartford at 303-645-8526 or neil.randerson@thehartford.com or contact your local Hartford Flood sales representative directly.

Have a question for PIA?
Contact us at ProductsAndServices@pianet.org.

The Hartford Difference

The Hartford is dedicated to providing agents with extraordinary customer service and value. The Hartford Flood program offers an easy enrollment process, competitive commissions and allows you to broaden your offerings to customers who are in areas susceptible to flooding.

Through our national flood insurance service center, we offer the most advanced Internet services available including:

  • flood zone determinations,
  • claims reporting,
  • policy database download and maintenance,
  • electronic application submission,
  • electronic movement of premium and commission funds,
  • rating software download,
  • production reports,
  • assistance in obtaining elevation certificates, and
  • repetitive loss review

Our flood processing and claims management services are the most timely and accurate in the industry. We also have a specialized department to handle book of business transfers. Commission and cancellation refund checks are processed and mailed in a consistent and timely manner. Commissions are payable on the 15th of each month from The Hartford, an "A" Rated company.

The PIA Advantage

As a participant in PIA National's official flood insurance program, you have the power of PIA behind you. Our dedicated staff is here to help should you need assistance. Furthermore, participating PIA members have access to the Flood Insurance Marketing Support Center -- a PIA member-only benefit.

Available Programs

Several programs are available to PIA members:

Standard Program

The Standard program includes a web-based application process with your agency doing the customer service administration with Internet and live customer service support. With this web-based program, you can keep policy quotes on a local PC and print policies and endorsements, right in your office. In addition to complete training materials, you will also receive agency production reports.

With The Hartford, PIA members will receive service levels that significantly exceed federal standards including same day turnaround for Internet transactions and experienced and friendly customer service representatives.

Surplus Lines Flood

For PIA members enrolled in The Hartford Flood Program, the following Surplus Lines flood insurance coverages are available through WNC First Insurance Services:

  1. Excess Flood Insurance with policy limits in excess of the maximum NFIP limits are property coverage up to $15,000,000 in all states and contents coverage up to $1,000,000. There is no commercial contents coverage excess.
  2. CBRA & OPA Areas with eligible properties including residential properties and condominium units and townhouses.



For questions or more information about the program and how it can fit your agency, contact Bridgeen Policarpio of The Hartford at 860-547-5629 or bridgeen.policarpio@thehartford.com or contact your local Hartford Flood sales representative directly.

Have a question for PIA? Contact us at ProductsAndServices@pianet.org.

The Hartford is a participant in the federal Write Your Own (WYO) Program, part of the National Flood Insurance Program managed by the Federal Emergency Management Agency (FEMA). WYO flood policies are underwritten by the federal government and issued, sold, and administered by authorized private insurance companies, including Hartford Fire Insurance Company, Hartford Fire Insurance Company of the Midwest, and Hartford Underwriters Insurance Company. Accordingly, Hartford WYO flood policies are written subject to the rules, regulations, terms, conditions, and availability of the National Flood Insurance Program.

© Copyright 2016 The Hartford Financial Services Group, Inc. All rights reserved.

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