If the standard market said no, start here. The classes below are highlights of our Florida excess & surplus lines appetite — the full range through our wholesale market partners runs well beyond this page.
Retail, office, industrial, lessor's risk, and mixed-use buildings — including older construction, coastal wind exposure, and accounts with prior losses.
Property and general liability placed together as one coordinated package, with both sides marketed simultaneously so nothing waits on anything else.
Ground-up construction and renovation projects, from single structures to multi-building schedules.
Vacant buildings and dwellings the admitted market won't consider — short-term and longer-term vacancies alike.
All trades — new ventures, work-comp-adjacent classes, subcontractor exposures, and contractors the standard market has aged out.
One of Florida's hardest classes to place — and one of our most practiced. Residential and commercial roofers, repair and re-roof.
Project-specific OCP liability when an owner or general contractor requires a dedicated policy for a job.
HNOA liability for businesses whose employees drive personal vehicles on company business — frequently paired with GL.
Full-service restaurants through late-night bars and taverns, including kitchens, entertainment exposures, and assault & battery considerations.
Standalone liquor liability or paired with the GL — for any establishment that sells, serves, or furnishes alcohol.
Salons, barber shops, and personal-care studios, including professional liability for services performed.
Apartments, rental schedules, and multi-family housing — including older frame construction and coastal locations. Note: any submission with two or more buildings is placed as commercial property or package.
General liability for condominium and townhome associations of all sizes.
Directors & officers and employment practices liability for community and condo associations — board protection the admitted market rarely prices well.
Commercial condominium associations and unit-owner exposures.
Licensed daycare centers and preschools, with the abuse & molestation considerations this class demands handled correctly.
Used auto dealers, repair shops, and garage liability risks.
Farm premises liability, agritourism, and agricultural operations across Florida.
Professional liability for nurses and allied medical professionals.
Errors & omissions coverage for insurance professionals — yes, we insure agents too.
Excess limits layered over GL placements when contracts or lenders demand more than the primary provides.
Private collections, niche operations, and the one-off exposures that don't fit a checkbox. If it's legal and insurable, we'll find out who wants it.
Coastal, older, high-value, or loss-history homes the admitted market declines — placed quickly with wind mitigation credits applied where they help.
Non-owner-occupied rentals and seasonal dwellings — single-location placements with straightforward documentation. (Two or more buildings? That routes to our commercial habitational desk.)
This page is the highlight reel, not the whole appetite — what we place through our wholesale market partners runs well beyond it. Send the details and we'll tell you the same day.
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