Bankers Insurance Group

Flood insurance rarely crosses our minds until it's the only thing that matters. In those high-stress moments, people don’t just need coverage—they need an expert who can explain the fine print and make the path to recovery easier.

Rooted in the “here when it matters” mindset, Bankers Insurance Group has been that steady presence for families and businesses for nearly five decades.

This southeastern regional carrier holds licenses to write flood insurance in 49 U.S. states. Its extensive footprint is backed by a collaborative approach with agents, which provides end-to-end support for clients, from initial quoting to claims recovery.

“Our partners and policyholders are at the heart of everything we do. We’re committed to delivering meaningful support, trusted guidance and dependable service at every turn,” says Ruth Bennett, associate in national flood insurance (ANFI). Bankers' commitment to service isn’t just claimed—it’s proven. A 71 percent net promoter score (“NPS”) and a customer service team with an average tenure of eight years are clear signs that policyholders feel that they are being heard, respected and supported.

While pricing under the NFIP is standardized, this consistent, high-quality service differentiates Bankers, especially in times of crisis. During recent hurricane seasons, when many insurers faced outages and long wait times, Bankers maintained sub-30-second response times and zero downtime, even with its headquarters being based in affected zones. This resilience stems from a distributed team business model designed to deliver seamless service regardless of external conditions.
The operational strength is further reinforced by the company’s strategic roles on several national flood committees, including the APCIA WYO Coalition, National Flood Conference Planning Committee, Community Rating System Task Force, and the IBHS Flood Committee, which it co-chairs. In fact, Bankers was also one of the original "Write Your Own" (“WYO”) carriers under the national flood insurance program (NFIP). These participations sharpen policy design, keep the company industry-forward and enable more efficient flood insurance delivery.

As both a commercial lines writer and flood insurance provider, Bankers delivers a powerful, integrated approach to protection. While residential and commercial flood policies share a core structure, critical differences in limits and exclusions require expert guidance. Bankers ensures these nuances are clearly communicated to clients and agency partners, helping them make informed choices. The company also actively supports its agency network with tailored marketing opportunities that drive outreach, awareness and transparency.

To maximize coverage, it often includes proactive safeguards that flag potential issues early, enabling timely intervention. Bankers also partners with private carriers to offer standard and excess flood solutions, giving clients flexible options instead of a one-size-fits-all approach.

A recent success story perfectly captures the company’s ethos. A client calling to report a claim had a neighbor present who couldn’t reach their insurer. Although Bankers is not authorized to file the claim for someone else, it took the time to assist the neighbor by providing relevant information.

This instance underscores how, even in the often-confusing world of flood coverage, Bankers is dedicated to help people in need. Such level of support is only possible when staff is proficient and industry-aware.

That’s why Bankers puts an emphasis on continuous learning for its internal staff and agents. Everyone is aligned on what’s at stake and equipped to guide clients through the complexities of flood insurance with clarity, transparency and care. All these efforts reaffirm that Bankers is built on a genuine commitment to do what is right.