Who Is Sterling Surplus?
Sterling Surplus Underwriters is a wholesale managing general agent (MGA) that specializes in private flood insurance. Based in Madison, Mississippi and established in 2008, Sterling underwrites residential and commercial flood coverage as an alternative to the federal NFIP program. Its private residential product offers replacement-cost coverage for homes valued up to $3 million and is available in 39 states. The company also writes specialized flood products including excess flood, CBRA-zone flood, and flood deductible buy-backs.
For Better Choice Insurance Group, Sterling gives clients a private-market flood option that can offer broader coverage, higher limits, or better pricing than a standard NFIP policy. Sterling’s online platform, Sterling-FIX, lets agents quote, bind, and issue flood policies within seconds, so clients can secure protection quickly—important in areas with closing deadlines or lender flood requirements. This is especially valuable for homeowners in flood-prone regions who need coverage beyond what the NFIP provides.
What They’re Known For
- Private Flood: Private-market residential and commercial flood insurance as an alternative to the NFIP.
- High Replacement Limits: Replacement-cost coverage on homes valued up to $3 million.
- Instant Issuance: The Sterling-FIX platform lets agents quote, bind, and issue policies in seconds.
- Specialty Flood Products: Offers excess flood, CBRA-zone flood, and flood deductible buy-back coverage across 39 states.
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Where We Write Sterling Surplus Insurance
Better Choice Insurance Group offers Sterling Surplus coverage to clients across our service areas:
- Illinois: St. Charles, Naperville, Chicago, Aurora, Schaumburg
- Texas: San Antonio, Dallas, Houston, Austin, Fort Worth
- Indiana: Indianapolis, Carmel, Fishers
- Minnesota: Minneapolis, St. Paul, Bloomington