Florida State Guidelines
E&S PERSONAL LINES
Minimum Coverage A: $200,000 / HO6: $150,000
Tri-County (Miami-Dade, Broward, and Palm Beach) Minimum Coverage A: $500,000. Monroe county is closed.
Carriers
- Lloyd’s (6 Programs)
- Beazley
- Lexington
- QBE
Products
- Multi-Peril with Wind (HO3, HO5, HO6, DP3)
- Wind Only
- Ex Wind
- Builder’s Risk (with Wind and Ex Wind)
- E&S Primary and Excess Flood
- Inland Marine
- Watercraft/Yacht*
- NFIP
- Standalone Personal Umbrella
- Comprehensive Personal Liability
*Minimum hull value $1 million with full time paid captain. Vessel must be less than 15 years old
COMMERCIAL LINES
Coverage: Max TIV $15 million TIV per location | $25 million per policy
Policy Types: BOP, Wind-Only, Monoline Property
SPECIALTY HIGH NET WORTH
$1 Million+
Carriers*
- Chubb
- USLI
- AIG
*May vary depending on DTC and may require additional lines of business *May be $1,500,000 depending on DTC