Our History
Since 2008, Sterling Flood has led the private flood market with innovative products, responsive service, and trusted expertise. What began as a solution for uncovered CBRS risks has grown into one of the industry’s most respected flood programs. We combine decades of underwriting experience with modern technology to deliver fast, accurate results and a premium, personal experience. From CBRS and Excess Flood to residential private flood, Sterling continues to set the standard for dependable, agent-focused flood solutions.
Market Expertise
Sterling Flood has helped shape the private flood insurance market by developing solutions for complex risks that traditional programs often cannot cover. As a trusted Private Flood MGA, from early innovations in CBRA zones to expanding access along the Eastern and Gulf Coast regions, we’ve consistently focused on solving real challenges in the flood space.
Expert Underwriting
Our deep underwriting expertise allows us to support agents placing both residential and commercial risks—including coastal properties, CBRS exposures, and accounts that require higher limits beyond standard coverage. With one of the most expansive in-house flood binding authorities in the industry, we’re able to quote quickly—often within 24 hours—and provide real underwriting support when it matters most.
Innovation
Sterling has a long track record of building practical solutions for evolving market needs. From reducing premiums and improving accessibility in difficult markets to launching private residential flood in response to industry changes, we continue to innovate with specialized products like CBRA Flood, Excess Flood, and Flood Deductible Buyback—helping agents confidently serve clients in even the most challenging flood placements.
Our Team
Our underwriting team supports agents nationwide with expertise in private flood, CBRS, excess flood, and complex property risks. Our strength lies not just in decades of experience, but in the character and dedication of our people. Each member of our team brings more than technical expertise, we bring genuine hospitality, a relentless work ethic, and a shared belief in putting people first.
Colby Guillory
Senior Underwriter
Thomas House
Underwriter
Chris Ford
Underwriter/Adjuster
C Brad moncrief
Founder
Expert Flood Underwriting
Direct access to experienced flood underwriters who help structure solutions for complex placements.
Insurance Tech
Quote, Bind, Issue, Endorse any policy online with Sterling- FIX (Flood Insurance Xchange).
concierge service
Customer Service is still alive! Our desire is to offer an unmatched, refreshing experience when you engage Sterling.
claim experience
We take claims seriously. When we make a promise we keep it. Sterling has partnered with the best claim firm in the industry.