Capitol Preferred Insurance Company (Southern Fidelity Managing Agency)
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Capitol Preferred Insurance Company (CPIC) merged into Southern Fidelity Insurance Company (SFIC) and does not maintain a separate, active underwriting program or producer appetite today. Southern Fidelity itself was ordered into receivership and all in‑force homeowners policies were cancelled effective July 15, 2022 under the Florida Office of Insurance Regulation receivership order. As a result, there is no current homeowners underwriting, appetite, or new‑business submission guidance available for Capitol Preferred or Southern Fidelity; they are not writing or renewing personal residential property business. Operationally for agents/brokers: - Preferred / target business: None. The combined entity is in liquidation and not accepting new submissions in Florida or other prior territories (Florida, South Carolina, Louisiana, Mississippi). - Restricted / declined classes: All new and renewal homeowners (and related property) risks should be treated as declined due to liquidation and regulatory cancellation of policies. - Geography: Prior core states (FL, SC, LA, MS) are no longer active markets for this carrier; insureds must be placed with alternative carriers or residual market mechanisms as applicable. - Submission requirements: Do not submit new business to Capitol Preferred or Southern Fidelity. Agents should follow state guaranty/receivership instructions for handling cancelled or non‑renewed policies and assist insureds in securing replacement coverage with other carriers. - Broker/producer notes: Producers should use other admitted or surplus lines markets for Florida and Gulf Coast homeowners placements. Any remaining service issues must be handled through the applicable state receivership/rehabilitation and liquidation office; there is no active agent portal underwriting function for new or renewal placements. Because the carrier is in liquidation and no active appetite or risk guidelines are maintained, there are no current preferred classes, underwriting criteria, or detailed submission instructions beyond not placing new risks and replacing any legacy policies with other markets.