reThought Flood connects to the Vertafore interconnected distribution ecosystem via PL Rating.
Denver, October 8, 2026 / PRNewswire / — Insurance distribution technology company Vertafore ® announced that reThought Flood has chosen PL Rating ™ to expand the distribution of its private flood insurance products to independent agencies.
According to the ranking by G2, PL Rating ranks first among insurance industry personal insurance product rating software solutions. This platform connects over 10,000 agents with more than 320 insurance companies and MGA, enabling them to quote prices and compare personal insurance coverage for customers. In 2025 alone, agents completed 6.8 million flood insurance transactions through this platform. Vertafore indicates that the scale of PL Rating and its widespread adoption by agencies are key factors that led reThought and Flood to make this decision.
According to Vertafore, the growth of MGA can take various forms, including launching new projects, enhancing underwriting capacity, expanding distribution, and making it easier for retail agencies to access products. The company stated that it supports these priorities throughout the entire lifecycle of MGA through interconnected technologies that cover underwriting, policy management, distribution, data, and AI enabling workflows.
For reThought and Flood, PL Rating provides another entry point for them to enter the Vertafore ecosystem, connecting their specialized flood insurance products with thousands of independent agencies that are already using Vertafore technology. Vertafore states that by reducing the friction between products and insurance arrangements, this connectivity helps reThought and Flood to achieve “Distribution Velocity (distribution speed)” – that is, a speed with a clear focus on results.
MGA, the general manager of wholesale business, stated alongside Emily McGinn: "The decision by reThought and Flood to collaborate with Vertafore once again proves the value we offer to MGA that wishes to expand its retail distribution. Our scale, connectivity, and profound expertise in the insurance industry provide a proven foundation for MGA to achieve its growth goals and enable its products to reach agencies in need."
Vertafore indicates that recent adjustments to the flood maps by FEMA mean that thousands of residential properties are now located within high-risk "special flood hazard zones" ( SFHA ). As more and more homeowners begin to take flood risk into consideration, PL Rating enables agents to quickly obtain quotes for private flood insurance when rating risks for other types of personal insurance, thus making flood insurance a part of the discussion process rather than a separate step.
reThought Flood Director Kevin Thoms stated: "We have evaluated several comparison and rating platforms, and Vertafore stands out in terms of its agency connectivity within the insurance industry, setting a gold standard. PL Rating allows us to access a network of agents who provide quotes for personal insurance products every day. We believe that Vertafore is the ideal partner to help us expand our distribution network and make flood insurance more accessible to those in real need."
About Vertafore
Vertafore indicates that the company is committed to promoting “Distribution Velocity”, accelerating the insurance value chain across various links within agencies, MGA, insurance companies, and between them, enabling them to adapt more quickly and grow more efficiently. As a trusted infrastructure in the industry, Vertafore provides core digital systems, specialized AI, and a data-driven foundation to eliminate distribution barriers in sales, services, accounting, underwriting, and back-office operations, making the insurance workflow smoother and less frictional.
Vertafore indicates that the company serves over 95% of the top agencies and insurance companies, and supports 50% of the industry's compliant transactions. The company is headquartered in Denver, Colorado.
