Dual Insurance
![dual logo](https://static.wixstatic.com/media/b53c97_f8177b99d400404397ce61104d85c2de~mv2.png/v1/fill/w_189,h_63,al_c,q_85,usm_0.66_1.00_0.01,enc_auto/b53c97_f8177b99d400404397ce61104d85c2de~mv2.png)
Dual Flood Insurance
Dual's program focuses on Private Primary and Excess Flood and offers primary flood coverage through their online rating portal as a competitive alternative to the NFIP.
Excess Flood Coverage is available in all 50 states.
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Non-Admitted
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A.M. Best Rating: A
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Carrier: Lloyd's of London
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Renewals: Automatic
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Direct Bill
Highlights
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Competitive with NFIP pricing
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Policy wording meets lender compliance
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No Elevation Certificate (EC) is required but some locations may required EC to bind coverage
Coverages Available
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Buildings and contents coverage mirrors the NFIP form and is lender compliant
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Business income / rental value (including extra expense)
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Loss of income - net business income or loss rent
Program Benefits
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Ability to schedule multiple locations into one policy
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Loss of income / loss of rents coverage
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Improvements & Betterments additional limits
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Replacement cost coverage for building & contents
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Private primary flood only
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![Building flooded](https://static.wixstatic.com/media/b53c97_a4d8488c90f44c769cd1c1e86a096872~mv2.png/v1/fill/w_77,h_77,al_c,q_85,usm_0.66_1.00_0.01,blur_3,enc_auto/flood%20(2).png)
Primary Flood Limits
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Combined building & contents limit up to $5M
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Business income: $500,000
![Building Flooded](https://static.wixstatic.com/media/b53c97_9498ac2a7391410d9bb817487814d101~mv2.png/v1/fill/w_77,h_77,al_c,q_85,usm_0.66_1.00_0.01,blur_3,enc_auto/b53c97_9498ac2a7391410d9bb817487814d101~mv2.png)
Excess Flood Limits
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$20M combined coverage limit (higher limits available on a submit for rating basis)