Neptune Flood has officially joined the growing lineup of insurance apps on ChatGPT, bringing its flood insurance tools directly into the AI-powered platform.
On March 12, Neptune Flood, based in St. Petersburg, Florida, announced the launch of its digital flood insurance app on the platform—enabling property owners to instantly receive real-time preliminary quotes from the private insurer for both residential and commercial flood coverage.
“Flood insurance should be easy to understand and easy to buy,” said 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.”
Property owners can simply ask questions about coverage and receive an instant preliminary quote through a seamless conversational AI experience. Available in all 50 states and Washington, D.C., Neptune says the new capability expands on its existing direct-to-consumer, real-time quoting technology—already offered on its website and through agency partners’ sites—now delivered as an embedded AI quoting assistant designed to make flood insurance faster and easier to access.
In a recent interview with Insurance Journal, Burgess said the private flood insurance market is evolving at remarkable speed. He noted that the company operates without human underwriters, processes roughly 20,000 quotes every day, and is able to deliver a price to about 95% of applicants—highlighting the power of its fully automated underwriting model.
With the Neptune Flood app now available in ChatGPT, consumers can quickly and easily:
- Get clear, instant answers to their questions about flood risk.
- Receive an instant, real-time preliminary quote in just seconds.
- Explore flood insurance options explained in clear, everyday language.
- Seamlessly move to neptuneflood.com to quickly complete their purchase and secure coverage.
Tom Wexler, Neptune’s chief engineer, explained, “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.”
The Neptune Flood app on ChatGPT is now live—ready for users to explore here.
