Flood Insurance For Your Clients

IIABCal members have access to flood insurance, offering the best in coverage, price and expertise to personal and commercial lines clients. IIABCal’s flood insurance underwriters are among the top Write-Your-Own flood carriers and top property-casualty insurers nationwide. 

The Federal Emergency Management Agency has published minimum training and education requirements, as required by section 207 of the Flood Insurance Reform Act of 2004, for all insurance agents who sell Standard Flood Insurance Policies issued through the National Flood Insurance Program (NFIP).  This course meets the one-time continuing education requirement for existing licensees.

The Course covers the basics of the flood insurance market and reviews the main policy forms that are used in flood insurance today.  Finally, the course will review flood zones, general rules and claims, and includes recent NFIP legislative changes.  Take the National Flood Insurance Program Basic Course here.


IIABCal with Hartford Fire Insurance Company and its servicing vendor Torrent offer member agents and brokers a highly profitable and easy way of processing all your flood insurance through the National Flood Insurance Program (NFIP).  What sets Torrent apart from other servicing vendors is their exemplary service.

In addition to offering IIABCal members the highest level of service, Hartford provides:

  • www.HartfordFloodOnline.com allows the agent to process Residential, Non-Residential, Other Residential, 2-4 Family Dwellings, along with the Preferred Risk Policies (PRP). Quoting and application processing is all online. You’ll have access to processed policies, processing of monetary and non-monetary endorsements, submission of claims, re-printing of declaration pages & renewal notices along with the ability to forward directly to the mortgage company, insured or others via the system.
  • For a Website demo on www.HartfordFloodOnline.com contact Charna Loughran at Charna.Loughran@TheHartford.com.
  • Payment options for electronically transmitted applications are credit cards or by electronic check.

To help speed the commission payment process, agents can elect to receive commissions via ACH as well.  In order to set this up a current user will need to be set up as with “agency manager” permissions.  To have this set up please contact Agency Services at 866-535-7419

Flood Zone determinations can be processed online from within the quoting process

Agent Training:

Members receive 19% commission for new and renewal business.  To transfer a book to The Hartford, contact Charna Loughran – email Charna.loughran@thehartford.com

To Enroll In The Hartford Program:

Complete the following enrollment paperwork and send to Hartford Flood’s contracting team – contract.team@thehartford.com.

Hartford Flood Enrollment Form

Contact Information:

Hartford Flood Sales Director:  Charna Loughran
Phone:  916-626-9844
Email:  Charna.Loughran@TheHartford.com

Customer Service:  800-303-5663
Agency Services: 866-535-7419

Additional Contact Information

More Information:

Public Awareness Material Order Form
Sample Agent Responsibility Waiver - Family
Sample Agent Responsibility Waiver - Non-Residential
Sample Agent Responsibility Waiver - With Disclaimer

Flood Insurance Resources

National Flood Insurance Program 
Flood Insurance Definitions
FEMA Coverage Summary
FEMA/NFIP Public Awareness Material