An Excess & Surplus Lines MGA in Clearwater, FL

Private Primary Flood

Private Primary Flood Program for Dwelling, General Property & RCBAP

We are excited to offer our new program, through Lloyds of London, which is extremely competitive compared to the NFIP, for a niche of dwellings, commercial and condominiums located in Florida.

This program is very competitive on all Pre-FIRM ‘A’ and ‘V’ zone risks! We are paying 15% Commission New business and 14% on Renewal business.


Eligible Risks

  • No Distance to water restrictions
  • Pre-FIRM ‘A’ Zones & ‘V’ Zones
  • Maximum Limits of $250,000 on dwelling and $100,000 on contents.
  • Maximum Limits of $500,000 on Commercial/General Property,  $500,000 on contents, and $500,000 BI / Rental Value.  (Incl. Extra Expense)
  • Policy wording similar to ALL THREE NFIP Forms.
  • Excess coverage is available under our other facilities.


Unacceptable Risks

  • Mobile or Manufactured Homes
  • Risk with open or pending claim(s) or had 2 or more losses over 30 years
  • Buildings or Dwelling that is partially or entirely over water
  • Foreclosures
  • CBRA areas

For a quote, simply complete our Private Primary Flood Application.

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.