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Commercial Lines Exclusive Programs:

Orchid offers E&S commercial solutions designed for coastal risks across the nation. Our unique Monoline Property, Wind-Only, and Business Owner Policies offer features such as no restriction on distance to coast for wind coverage.

  • Wind coverage available with no restriction on distance to coast
  • Can write up to $25 million TIV per Policy (higher if needed with our brokerage markets)
  • Minimum Building coverage of $100,000 and contents of $25,000 in all states
  • 1950 or newer on age of construction for AL, FL, GA, LA, MS, NC, SC, TX, VA
  • 1900 or newer on age of construction for CT, DE, MA, MD, NJ, NY, RI

Commercial Lines Contract Binding and Brokerage Program:

Orchid Insurance’s commercial division is designed to handle your small and large commercial risks, across multiple lines of business, such as property, liability, professional, flood, and more. With over 40 markets to work with across all 50 states, we give you the best price and coverage combination, paving the way to help you sell more insurance to your clients. Our coverages protect insureds with high-quality products, such as:

  • Commercial Package
  • BOP’s
  • Small property
  • High TIV property*
  • Wind-Only
  • Excess Property
  • Builder’s Risk
  • Inland Marine
  • Earthquake
  • General Liability
  • Contractor’s
  • Umbrella/Excess Liability
  • Liquor Liability
  • Single Family Dwelling Schedules
  • Professional Liability
  • Primary Flood & Excess Flood
  • Standalone Cyber
  • Wind Deductible Buyback

*Up to $300 million TIV

How to do Business with Orchid Commercial

All Horizon member agencies that are contracted with Orchid are eligible to access this program. If you already have an appointment with Orchid, you are all set. Submitting your commercial risk is easy! Simply e-mail your necessary documents (Acords, SOVs Supplementals, Loss runs, etc….) to commercialsubmissions@orchidinsurance.com.

If you do not have an appointment, request one through Horizon.


Horizon member agencies will receive the commission as stipulated in the appointment process.

Become an appointed partner

Request access through Horizon!

Already appointed with Orchid?

Start a Quote Now

Program Contacts

Nathan Coomes, Commercial Lines