Private Flood Product
Commercial and Residential
FloodPlus Residential Features


Through Johnson & Johnson Insurance (J&J), the FloodPlus program is available in all states except Alaska, Hawaii, and Kentucky.


There are no elevation certificates required with the new FloodPlus program, and no 30-day waiting period.


Up to $1.25 million coverage limits with the ability to buy other structures, personal property and loss of use coverage. 

FloodPlus Commercial Features


Broader limits of $2.5 million
incorporating building, business personal property and business interruption.


There are no elevation
required with the new
FloodPlus Commercial program
and no 30-day waiting period.


Quote and bind in minutes!
Simple and quick to quote 
business property protection
for your clients.

Quoting Options

Simple, Online and On-Demand

Offered through collaboration between Torrent, Johnson & Johnson Insurance and Hiscox, the FloodPlus private product provides superior coverage and an alternative to NFIP flood insurance options. Quote and bind online in minutes, with the option of electronic policy delivery. With the FloodPlus program, there is no 30-day waiting period and no elevation certificate required.

Training Webinars

Live Training Webinars: Schedule Coming Soon!

Join our upcoming webinars to learn more about our new private flood program for coastal and inland residential properties. In each webinar, our experts will demonstrate the application process, explain program features and benefits, and answer your questions!

Beyond Customer Service

World Class Customer Service

Our private flood experts from J&J are here to help you 24/7. Contact us with questions on the quoting process.

FloodPlus Private Flood by Torrent, Johnson & Johnson Insurance and Hiscox

Torrent Technologies is a business of Marsh, which along with Guy Carpenter, Mercer, and Oliver Wyman, are the primary businesses of Marsh & McLennan.

This document and any recommendations, analysis, or advice it contains (the “Analysis”) are not intended to advise you regarding any individual situation and should not be relied upon for that purpose. Torrent’s Analysis is based on sources we believe reliable, but we make no representation or warranty as to its accuracy. Torrent has no obligation to update this Analysis and shall have no liability to you or any other party arising out of this publication or its contents.