Flow Flood

Headquarters address: 50 California Street Suite 1500 San Francisco, CA 94111, USA
Year established: 2017
Size (employees): 9
Locations: 45 states
Underwriting expertise: Residential and commercial flood insurance
Key people: Michael Pallas and Abbe Sultan, co-founders 

Flow Flood is a private flood managing general agent (MGA) that provides insurance agents with a digital platform for quoting flood insurance. The platform presents multiple private flood options alongside an NFIP indication in a single workflow.

The company focuses on simplifying the process of quoting and placing flood insurance by consolidating key underwriting questions and returning results quickly. The platform supports both personal and commercial flood placements.

Brief history of Flow Flood

Flow Flood was founded to address operational challenges in the flood insurance quoting process, including fragmented market access and time-intensive placement workflows. The company developed a centralized quoting platform intended to reduce manual steps for agents and improve quote turnaround times.

As usage expanded, Flow Flood added more private flood offerings and incorporated NFIP rate visibility to support broader comparison and placement decisions. The platform has also expanded to support commercial flood submissions and other specialized use cases.

Flow Flood reports a national user base of more than 13,000 and continues to update its platform capabilities and product offerings in response to market and agent needs.

Flow Flood products & services

Flow Flood offers the following products and services:

• Private Flood Marketplace (personal lines): a digital quoting workflow that returns multiple private flood options for eligible personal residential risks
• NFIP rate indication: NFIP rate visibility provided within the same quoting workflow to support comparison
• Commercial flood insurance: flood insurance solutions for commercial risks, supported by underwriting review when needed
• Coastal Protect (CBRA-focused solution): a flood insurance option intended for certain coastal risks, including properties subject to CBRA considerations
• Quote API: API connectivity for select partners to integrate flood quoting into other systems, based on use case

Leadership at Flow Flood

Abbe Sultan, co-founder 

Sultan is responsible for platform development, including the quoting workflow and partner integrations.

Mike Pallas, co-founder 

Pallas is responsible for platform development, including the quoting workflow and partner integrations

Culture at Flow Flood

Flow Flood describes its workplace culture as execution focused and centered on operational efficiency for agents. Teams prioritize product iteration based on agent feedback, with an emphasis on responsiveness and process improvement.

The company focuses on expanding access to flood insurance options and on streamlining quoting and placement workflows for agents.