Neptune Flood, a U.S.-based digital flood insurance provider, has launched a quoting app inside ChatGPT, giving property owners access to real-time preliminary flood insurance quotes through a conversational interface.
The app lets users ask about flood risk, review coverage options in plain language, and receive an instant preliminary quote directly within ChatGPT. Customers then move to Neptune’s website to complete the purchase process.
Chairman and CEO Trevor Burgess said flood insurance should be easier to understand and easier to buy. He said the new app helps Neptune reach customers where they already are and makes protection more accessible for families and businesses nationwide.
He also said Neptune views itself as an AI-native company and sees this launch as an early step in using new technology for consumers.
Flood risk affects communities in every U.S. state, yet many property owners still remain uninsured or underinsured.
Neptune said broader access through conversational platforms is meant to make coverage easier to understand and easier to obtain.
The company currently operates across all 50 states and the District of Columbia. At year-end, Neptune reported more than 280,000 policies in force, covering both residential and commercial properties nationwide.
Chief Engineer Dr. Tom Wexler said Neptune built its proprietary Triton underwriting system as a modular, API-first platform so it could connect with digital environments such as ChatGPT.
He said a lightweight API layer using the Model Context Protocol securely handles data retrieval, risk modeling, and rating in real time on top of existing underwriting infrastructure.
Because the underwriting stack is fully automated and cloud-native, Neptune can extend instant quoting into conversational AI without changing its core workflow.
Neptune said the new app complements its existing direct-to-consumer quoting system and its nationwide network of independent agents and digital partners. The company said customers now have multiple ways to obtain coverage while still using the same automated underwriting engine.
Neptune Insurance Holdings Inc., the parent company of Neptune Flood Incorporated, also released financial results for the fourth quarter and full year ended December 31, 2025, through its investor relations website.
- In the fourth quarter of 2025, revenue grew 39% to $43.8 mn. Net income fell 63% to $4.3 mn, leaving a 10% margin and reflecting $4.6 mn in IPO-related expenses.
- Adjusted net income rose 25% to $15.3 mn. Adjusted EBITDA increased 34% to $25.9 mn, equal to a 59% margin. Written premium climbed 41% to $100.3 mn, and the company reported record quarterly new business sales.
- For full-year 2025, revenue increased 34% to $159.6 mn. Net income rose 8% to $37.4 mn, producing a 23% margin and including $13.1 mn in IPO-related expenses. Adjusted net income advanced 38% to $56.9 mn. Adjusted EBITDA rose 32% to $95 mn, equal to a 60% margin.
- Written premium increased 34% to $367.3 mn. Revenue per employee rose 15% to $2.7 mn, while adjusted EBITDA per employee increased 14% to $1.6 mn. The company also reported record annual new business sales.
Neptune Flood operates as a data-driven managing general agent offering residential and commercial insurance products, including primary flood and excess flood coverage, through a nationwide agency network.
The company says its underwriting platform uses proprietary AI and advanced data science to deliver faster and more accessible coverage across the United States.
