St. Petersburg, Fla. — Neptune Flood has launched its digital flood insurance application within ChatGPT, providing property owners with real-time preliminary flood insurance quotes. This development expands access to flood insurance nationwide by enabling consumers to ask questions about coverage and receive instant preliminary quotes through an AI-driven interface. The initiative builds upon Neptune’s existing direct-to-consumer, real-time quoting infrastructure, which is available via neptuneflood.com and through its agency distribution partners’ websites.
The company states that making protection more accessible strengthens financial resilience across the country, particularly as flood risk impacts communities in every state, often leaving property owners uninsured or underinsured. By integrating into new digital environments, Neptune Flood aims to help close the flood insurance gap.
“Flood insurance should be easy to understand and easy to buy,” stated Trevor Burgess, Chairman and CEO of Neptune Flood. “Our app in ChatGPT allows us to meet customers where they are and make protection more accessible for families and businesses nationwide. Neptune is an AI native company, and we are excited to be pioneering technological advancements for the benefit of consumers.”
Neptune Flood operates in all 50 states and the District of Columbia. As of year-end, the company reported over 280,000 policies in force, providing residential and commercial protection to property owners across the U.
S.
Through the Neptune Flood app in ChatGPT, consumers can inquire about flood risk, receive a real-time preliminary quote, explore coverage options presented in plain language, and seamlessly transition to neptuneflood.com to finalize their purchase.
Dr. Tom Wexler, Neptune’s Chief Engineer, explained the technical foundation: “We architected our proprietary underwriting system, Triton®, as a modular, API-first underwriting system specifically so it could integrate into new digital environments like ChatGPT. Using the Model Context Protocol (MCP), a lightweight API layer securely orchestrates data retrieval, risk modeling, and rating in real time on top of our existing underwriting infrastructure. Because our underwriting stack is fully automated and cloud-native, we can extend instant quoting into conversational AI without changing our core workflow.”
This new application complements Neptune’s nationwide network of independent agents and digital partners, as well as its existing instant online quoting platforms. Customers can select their preferred channel while benefiting from the same rapid, digital underwriting experience. The Neptune Flood app in ChatGPT is now active.
Neptune Flood, a managing general agent, offers residential and commercial insurance products, including primary and excess flood insurance, distributed through a nationwide network of agencies. The company leverages proprietary artificial intelligence and advanced data science to provide coverage for properties across the United States. Neptune operates without human underwriters, utilizing its Triton® platform to streamline underwriting, pricing, and policy issuance.
Disclaimer: ChatGPT is not an insurance agent, broker, or representative of Neptune Flood. Information provided in ChatGPT is based on details at the time of the quote request. A quote does not constitute a binder of coverage, an offer to insure, or a guarantee of coverage. Coverage is subject to underwriting review, eligibility requirements, policy terms, conditions, exclusions, and applicable state regulations.
