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.