About Us

Sterling Surplus Underwriters has been the industry choice for Private Flood placement since 2008. Dedicated to solving problems for flood related issues Sterling Surplus Underwriters creatively packaged a program offering bank accepted coverage for risks located in CBRA Zones in the Outer Banks of North Carolina.

Industry Leader for
Private Flood Placement since 2008.

During a very difficult time in the housing market Sterling Surplus Underwriters offered a solution to coastal clients reducing premiums over 50% helping to regenerate economic activity in Real Estate, Construction, Vacation Management to name a few.

In addition to solving flood related issues in the market we also focused on the customer experience with service standards for Retail Agents, Lenders, Real Estate Professionals and Clients. We understand our clients are depending on a comprehensive product at a fair price offered quickly and accurately for the benefit of everyone involved.

Our clients are depending on a
comprehensive product at a fair price.

This has been a constant focus for Sterling and continues to be today. We have the most expansive dedicated in-house flood binding authority in the industry which allows us to quote risks within 24 hours and often times sooner.

We believe our business has grown throughout the Eastern Coastline and Gulf Coast regions largely due to our service level and boutique flood products including:

  • CBRA Flood
  • Excess Flood
  • Flood Deductible Buyback

And now:
• FloodSeal – A private flood alternative to NFIP
FloodSeal was launched in 2013 in response to the Biggert Waters Act of 2012 which began implementing premium increases for certain homes insured by the NFIP. Again, Sterling became a leader in finding necessary product solutions for Retail Agents and their clients. Today rates continue to climb and Sterling continues to offer solutions with extraordinary products at a refreshing price.