People Who Care
Technology That Delivers

Flow is the Next-Gen Specialty Brokerage for commercial insurance. We blend human expertise with cutting-edge technology to deliver access to top markets.

Get in touch

Grow with

Our Specialties

We specialize in professional liability, management liability, and cyber liability insurance solutions for clients. Our offerings include options from both admitted and non-admitted markets and are built to address the needs of the biggest to the smallest to the most challenging risks.

Professional Liability

  • Solutions for licensed professionals, including healthcare providers, lawyers, accountants, architects, engineers and more.
  • Admitted and non-admitted paper options
  • Start up and pre revenue to multinational companies
  • Package policy options
  • Ability to extend E&O coverage to breach of contract, contingent bodily injury and property damage, personal injury, and the payment of withheld fees by clients.
  • Defense outside the limits
  • Speak with your broker for additional tailored solutions

See Full Appetite

Management Liability

  • Solutions for private, nonprofit and public sector companies
  • Admitted and non-admitted paper options
  • Expertise for building large limit towers on complex risks
  • Package capability for D&O, EPLI, Fiduciary, Crime, and Kidnap and ransom
  • Coverage for violations of Fair Labor Standards Act (FLSA)
  • Third party coverage for claims
  • Coverage for claims arising out of an actual or alleged violation of the Federal Immigration and Nationality Act
  • Speak with your broker for additional tailored solutions

See Full Appetite

Cyber Liability

  • Expertise for handling SME business and building large limit towers for complex risks.
  • Proactive cybersecurity services
  • Implementation of multi-factor authentication (MFA)
  • Encrypted data backup
  • Real time threat monitoring and more
  • Admitted and non-admitted capabilities
  • Broad first and third party tailored solutions
  • Regulatory violations of new and expanding state consumer privacy laws, biometric regulations, and international privacy law
  • Business interruption, Dependent business interruption, and Systems failure
  • Ransomware, social engineering, and more.
  • Speak with your broker for additional tailored solutions

See Full Appetite

Our Carriers

The Flow Difference for Retail Agents

Learn more

Access to Top Markets

Our deep relationships at trusted partner carriers bring a seamless experience of access to the best deals, products, and markets.

White Glove

Flow’s seasoned and specialized experts are proactive and responsive, eliminating the need to chase your broker.

Save Time, Drive Revenue

Write business faster and more profitably, while increasing your revenue through highly competitive commissions and a transparent fee structure.

Ease of Doing Business

Technology should augment relationships, not replace them. Our culture of caring leverages cutting- edge technologies that match risk with optimal solutions.

The Flow Difference
For Carriers

Learn more

Market Intelligence

Our proprietary and third party data analytics unite with deep brokerage expertise to bring greater insight into market trends and emerging risks, as well as a more efficient submission process.

Higher Quote/Bind Ratio

We go deep with carriers, carefully selecting our partners and tracking appetite, responses, and declinations to ensure that the right deals go through to binding.

API and Referrals Working Together

We optimize the channel with every submission, using API or expert referrals, conforming to your guidelines and sending you deals the way that works best for you.

Enhanced Distribution Partner

As your distribution partner, we expand your reach, tapping underserved markets and growing your wholesale business through net new premium accounts.

Don't take our word for it.
Take theirs.

Working with Flow is easy and seamless. I had two tough placements with very limited underwriting information and Flow worked with me to produce not just one but multiple competitive quotes. Our clients were extremely pleased and we were able to place the business. Without Flow, this would have been an extremely time intensive and frustrating process for both ourselves and our clients

Vice President

Flow brings a new level of service that provides an ease of doing business with added expertise and professionalism that is an asset to brokers/agents that partner with them. It has streamlined my day to day so we can focus on delivering a high level of service to our clients.

Senior Account Manager

Flow has become an invaluable partner for our business. Their team is responsive and knowledgeable, providing us with quick turnaround on quotes and excellent guidance on coverage solutions. Their access to key insurance markets helps us compete on our unique accounts.


Working with Flow is easy and seamless. They have the market reach and their team is knowledgeable and extremely professional. They have become the go-to market for our agency regarding difficult to place and higher-limits Professional Liability and Cyber Liability coverage for our unique clients.

Founder & President 

Backed by
great investors

Start Where You Are,

Get Where You Want to Be

Get in touch