FutureProof Underwriters
Where hard-to-place property finds a home.
A Managing General Agent for coastal, wildfire, and other catastrophe-exposed property — the risks standard carriers increasingly turn away. Precision pricing, modern technology, and a partnership-first approach for agents and wholesalers.
About
A modern MGA, built for tough property markets.
FutureProof Underwriters places property insurance on behalf of admitted and surplus lines carrier partners. We focus on hard-to-place risks — coastal hurricane exposure, wildfire-prone regions, and other markets where standard capacity has retreated.
Our pricing combines proprietary risk models with practical underwriting judgment, so policies reflect the actual resilience of each property — not blunt ZIP-code-level assumptions.
Products
What We Cover
Homeowners (E&S)
Surplus lines homeowners coverage in coastal and wildfire-exposed markets where admitted capacity is thin.
Condo & Townhome
HO-6 and townhome forms with flexible deductibles for high-rise, mid-rise, and master-policy gap exposures.
Small Commercial
E&S property coverage for small commercial risks — retail, office, and mixed-use buildings in catastrophe-exposed areas.
Distribution
Two paths to working with us
Retail Agents
Direct appointments for licensed retail agencies writing in our target states. Online application, fast underwriter review, and access to our agent portal once approved.
Start retail appointmentWholesale Brokers
We partner with select wholesale brokerages for surplus lines distribution. If you represent a wholesaler, reach out to our distribution team to discuss territory fit.
Start wholesale appointment
Resources
Underwriting guides, forms, and articles
Producer reference materials, declination guides, sample policy forms, and articles on the property markets we write.
Browse resources