Neptune Flood has joined the ranks of insurance apps in ChatGPT.
On March 12 St. Petersburg, Florida-based Neptune Flood said it has a digital flood insurance app on the platform to allow property owners to get real-time preliminary quotes from the residential and commercial private flood insurer.
“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 ask questions about coverage and receive an instant preliminary quote through a conversational AI experience. Neptune, available in all 50 states and Washington D.C., said this new capability builds on its existing direct-to-consumer, real-time quoting infrastructure available on its website and through the websites of its agency distribution partners as an embedded quoting assistant.
Recently, Burgess told Insurance Journal the private flood insurance marketplace is rapidly evolving. The company has no human underwriters, runs 20,000 quotes a day, and provides a price to 95%, he said.
Through the Neptune Flood app in ChatGPT, consumers can:
- Ask questions about flood risk
- Receive a real-time preliminary quote
- Explore options in plain language
- Seamlessly transition to neptuneflood.com to complete their purchase
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 in ChatGPT is now live here.
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