An Excess & Surplus Lines MGA in Clearwater, FL

Excess Flood

Florida Excess Flood MarketClearwater Underwriters is a leading market for Florida Excess Flood Insurance. Excess Flood is the foundation on which our company was built back in 1991.  We represent multiple “A” Rated Carriers including in-house contracts with Lloyds of London. Our diverse carrier base allows us to place even the most complex risk.
The following are a few features we offer through our Excess Flood Program.

  • Commission – 15% New Business / 14% Renewal (for In-House Program)
  • Open in ALL counties including: the Keys, Sanibel, Longboat Key, and the Panhandle.
  • Coverage available up to $30 million.
  • Residential, Commercial, Condominium Buildings & CBRA areas.
  • Immediate Binding available.

Our knowledgeable underwriters and support staff are available to assist you at any time.

If you are interested in becoming appointed to write business with Clearwater Underwriters, please call Guy Waters at (727) 791-6030 ext 149 or submit our Appointment Form.

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.