reThought Flood selects Vertafore to expand access to private flood coverage
Vertafore, the leader in insurance distribution technology in the AI era, today announced that reThought Flood has chosen PL Rating to expand distribution of its private flood insurance to independent agencies.
Ranked as the top personal lines rating software solution for insurance by G2, PL Rating connects more than 10,000 agents with more than 320 carriers and MGAs to quote and compare personal lines coverage for their clients. In 2025 alone, agents completed 6.8 million flood transactions through the platform. PL Rating’s scale and broad agency adoption were key factors in reThought Flood’s decision.
MGA growth can take many forms, from launching new programs and increasing underwriting capacity to expanding distribution and making products easier for retail agencies to access. Vertafore supports these priorities across the MGA lifecycle with connected technology spanning underwriting, policy administration, distribution, data and AI-enabled workflows.
For reThought Flood, PL Rating provides another entry point into the Vertafore ecosystem, connecting its specialized flood products with thousands of independent agencies already using Vertafore technology. By reducing friction between product and placement, that connectivity helps reThought Flood achieve Distribution Velocity—speed with intentional outcomes.
“reThought Flood’s decision to work with Vertafore reinforces the value we deliver to MGAs looking to expand their retail distribution,” said Emily McGinn, general manager of MGA and Wholesale at Vertafore. “Our scale, connectivity and deep insurance expertise give MGAs a proven foundation to reach their growth goals and get their products in front of the agencies that need them.”
Recent changes to FEMA’s flood maps mean that thousands more residential properties are now located within the high-risk Special Flood Hazard Area (SFHA). As flood risk becomes a consideration for more property owners, PL Rating gives agents quick access to private flood quotes while they’re already rating other personal lines risks, making flood coverage part of the conversation rather than a separate step.
“We looked at multiple comparative raters, and Vertafore stood out as the gold standard in the insurance industry for agency connectivity,” said Kevin Thoms, director at reThought Flood. “PL Rating gives us access to the network of agents already quoting personal lines every day. We saw Vertafore as the right partner to help us expand our distribution and make flood insurance more accessible to the people who need it.”
