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FLOOD INSURANCE · BUSINESS INSURANCE · EXPERT GUIDANCE

Protection for What Matters Most

1st Direct helps you understand your risk and connects you with the right flood and commercial insurance — for your home, your business and everything in between.

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For Homeowners

Flood insurance for homes, condos, renters and more in all 50 states.

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For Businesses

Protect your buildings, business property and income through practical commercial property insurance solutions.

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For  Agency Partners

Your flood and commercial resource. Support and solutions from a team you can count on.

Instant Quote
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Modern Glass Building
BUSINESS INSURANCE
Commercial coverage, built around your industry.

We shop standard and E&S markets to place the right protection for your operation — and our established service team stays with you after the policy is bound.

  • Professional Liability

  • Directors & Officers Liability

  • Workers’ Compensation

  • Commercial General Liability

  • Errors & Omissions Liability

  • Commercial Umbrella Liability

  • Property Insurance

FLOOD INSURANCE
NFIP or Private Flood? We quote both.
Standard homeowners and commercial property policies don’t cover flood. We place government-backed and private flood side by side — for single homes, commercial buildings or whole portfolios.
PRIVATE MARKET

Private Flood

Higher

Building & Contents Limits

Excess

Can sit on top of an NFIP Policy

  • Written by private insurance carriers

  • Coverage can be broader; varies by carrier

  • Meets federal lending requirements

GOVERNMENT-BACKED

NFIP

$250K

Building Limit (residential)

$100K

Contents Limit (residential)

  • Backed by the federal government (FEMA)

  • Standard coverage form, set nationally

  • Claims handled through the NFIP / WYO carrier

Coverage details vary by carrier and property.
THE 1ST DIRECT WAY
Coverage that fits the risk.
We help businesses, property owners and insurance agents navigate coverage options across multiple markets.

01

One Agency, Every Line

Property, liability, workers’ comp and umbrella, coordinated so nothing falls between policies.

03

We Think Like Owners

We run businesses too. Advice that protects your balance sheet, not just your policy count.

02

We Look Where Others Don’t

We started in property and flood. That’s why we dig into the exposures that cause the biggest claim-day surprises.

04

The Right Market

Nationwide access to carriers, wholesalers and specialty markets means coverage fitted to your business.

Tell us a little about what you need and we’ll be in touch shortly.

Contact Our Experts

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Answers for a More Resilient Tomorrow
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