Mar. 12, 2026 at 12:52pm
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Neptune Flood, a leading flood insurance provider, has launched a new app within the ChatGPT conversational AI platform. The app enables property owners to receive real-time preliminary flood insurance quotes directly through ChatGPT, simplifying how consumers can understand and purchase flood protection.
Why it matters
Flood risk affects communities across the United States, but many property owners remain uninsured or underinsured. By meeting consumers in new digital environments like ChatGPT, Neptune aims to make flood insurance more accessible and help close the protection gap nationwide.
The details
The Neptune Flood app in ChatGPT allows users to ask questions about flood risk, receive instant preliminary quotes, and explore coverage options in plain language. Customers can then seamlessly transition to the Neptune Flood website to complete their purchase. The app is powered by Neptune’s proprietary, AI-driven underwriting system Triton, which enables real-time quoting without human intervention.
The Neptune Flood app in ChatGPT launched on March 12, 2026.
The players
Neptune Flood
A leading, data-driven managing general agent offering a range of easy-to-purchase residential and commercial insurance products, including primary flood and excess flood insurance, distributed through a nationwide network of agencies.
Trevor Burgess
Chairman and CEO of Neptune Flood.
Dr. Tom Wexler
Chief Engineer at Neptune Flood.
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What they’re saying
“Flood insurance should be easy to understand and easy to buy. 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.”
— Trevor Burgess, Chairman and CEO of Neptune Flood (BusinessWire)
“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.”
— Dr. Tom Wexler, Chief Engineer at Neptune Flood (BusinessWire)
What’s next
The Neptune Flood app in ChatGPT is now live and available for property owners to use.
The takeaway
By integrating its flood insurance offering directly into the ChatGPT conversational AI platform, Neptune Flood is making it easier than ever for consumers to understand their flood risk and purchase protection, helping to close the nationwide flood insurance gap.