An Excess & Surplus Lines MGA in Clearwater, FL

Florida Surplus Lines MGA

Clearwater Underwriters, Inc. was established in 1991 to create an available market for retail agents, assisting them in the placement of Excess Flood coverage in the state of Florida. Over the years, Clearwater Underwriters, Inc. has emerged as a competitive, trustworthy corporation with a diverse product line including both Personal and Commercial Lines.

Staffed with experienced underwriters, our goal is to assist you in all your insurance needs with professionalism and efficiency. Learn more about us.


About Our Products

The majority of our product lines are written on in-house contracts with the Lloyds of London. As a result, your clients receive a policy backed by an A+ Rated carrier by the AM best.

If you are interested in learning more about our products and getting appointed to write business with us, please contact Guy Waters at (727) 791-6030 ext 149.

Why Choose Us?

What makes us stand out over other MGA’s?

  • We Pay High Commissions
  • Innovative Solutions for Complex Risks
  • Quick Turn Around Time on Quotes
  • Immediate Binding


Severe Weather Bulletin - Moratorium

During Hurricane Season, agents may not bind applications for new coverage or policy changes for increased coverage, regardless of effective date, when a tropical storm, hurricane watch or warning has been issued by the National Weather Service for any part of the state of Florida or the Southeast region of the United States.


Due to the Florida market conditions, we will no longer be writing mobile home dwelling policies in 2022.