Resources
Guides, articles, and producer tools.
Reference materials for property owners, retail agents, and wholesale partners. Underwriting guides and forms are available to appointed producers after sign-in.
Reading
Articles & guides
Article
What changed in the Florida property market — and why
A brief look at the structural reasons admitted carriers have pulled back from coastal Florida, and what it means for placement options going forward.
Guide
Reading a coastal homeowners declarations page
A walkthrough of the most common terms and limits on a coastal homeowners policy, written for first-time buyers and the agents who serve them.
Underwriting
Mitigation features that move premiums
Roof age, opening protection, defensible space — which property upgrades actually affect premiums in catastrophe markets, and which don't.
Producer training
When to recommend the surplus lines market
A short guide for retail agents on when standard markets are unlikely to bind a risk, and how to position surplus lines coverage to clients.
For producers
Producer tools
Underwriting guidelines
Detailed eligibility, declination, and pricing guidelines by product and state. Available to appointed producers.
Forms library
Sample policy forms and endorsements for each product line. Useful when comparing coverage with admitted alternatives.
Submission templates
ACORD-compatible submission templates with the data we need to quote — fewer back-and-forth emails per submission.