Crestwell Insurance
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
Crestwell Underwriters is a Florida-focused commercial residential property MGA, not a standard admitted carrier. As of the latest available information, it offers admitted, property‑only coverage for commercial residential associations (primarily condominium associations, and references to homeowners’ associations) in Florida, backed by carrier partners such as Mainsail Insurance Company via Emerald Bay Risk Solutions.([crestwelluw.com](https://crestwelluw.com/crestwell-underwriters-commericial-residential-mga-launches/?utm_source=openai)) Preferred business / target risks: - Commercial residential communities of distinction: condominium associations (primary focus) and homeowners’ associations, written on an admitted basis.([crestwelluw.com](https://crestwelluw.com/crestwell-underwriters-commericial-residential-mga-launches/?utm_source=openai)) - Florida locations, including business assumed from Citizens Property Insurance Corporation under the Florida Depopulation Program.([crestwelluw.com](https://crestwelluw.com/crestwell-underwriters-commericial-residential-mga-launches/?utm_source=openai)) - Associations seeking enhanced property-only coverage, including multi‑peril options and special cause of loss forms, with Total Insured Values (TIV) up to $60M. - Risks placed via independent agents who value tailored underwriting and customized programs for association clients.([crestwelluw.com](https://crestwelluw.com/offerings/?utm_source=openai)) Products / coverage features (operational highlights, not exhaustive): - Admitted, property‑only coverage for commercial residential associations, with a focus on master property programs.([crestwelluw.com](https://crestwelluw.com/crestwell-underwriters-commericial-residential-mga-launches/?utm_source=openai)) - Special Cause of Loss form; multi‑peril options with embedded Property Enhancement Endorsement (includes debris removal, certain fungus/wet/dry rot and bacteria coverages, and outdoor property extensions).([crestwelluw.com](https://crestwelluw.com/offerings/?utm_source=openai)) - Optional coverages: backup of sewers and drains (multi‑peril only, up to $150K), windstorm & hail / wind‑driven rainwater endorsement (multi‑peril only, up to $250K), theft (crime), optional equipment breakdown coverage, and an ACV roof option noted as “coming soon.”([crestwelluw.com](https://crestwelluw.com/offerings/?utm_source=openai)) - Flexible installment options (quarterly or semi‑annual).([crestwelluw.com](https://crestwelluw.com/offerings/?utm_source=openai)) Restricted / declined classes (inferred where not explicitly stated): - No explicit public list of prohibited classes is published as of the latest review. However, appetite is clearly concentrated on Florida commercial residential associations (condos/HOAs). Large non‑association commercial properties, non‑residential occupancies, and risks outside this niche should be treated as out‑of‑appetite unless specifically cleared with underwriting. - Coastal CAT exposure is inherent, but the company positions itself as a disciplined, highly specialized CAT‑exposed property underwriter. Expect tight controls on construction type, age/condition of roofs, protection class, deductibles, and distance to coast; placement of atypical or sub‑standard risks will likely require underwriter discussion and may be declined.([crestwelluw.com](https://crestwelluw.com/crestwell-underwriters-commericial-residential-mga-launches/?utm_source=openai)) Geographic notes: - Current focus is Florida commercial residential property, including participation in the Citizens Property Insurance Corporation depopulation program (renewals transitioning from Citizens to Crestwell).([crestwelluw.com](https://crestwelluw.com/crestwell-underwriters-commericial-residential-mga-launches/?utm_source=openai)) - No public indication yet of active programs outside Florida; treat non‑Florida submissions as out‑of‑scope unless a future expansion is formally announced. Submission & program notes for agents/brokers: - Crestwell operates as a managing general agent partnering with independent agents; business is placed through appointed agencies rather than directly with insureds.([coverager.com](https://coverager.com/company/crestwell-underwriters/?utm_source=openai)) - Marketing language emphasizes a disciplined, data‑driven underwriting process and an “underwriting‑first” approach, so expect: - Full, accurate schedule of locations and buildings with TIV by location. - Detailed association information (governance, occupancy, loss history, construction, year built/roof year, protection, prior Citizens or other carrier terms, depopulation packet details where applicable). - Documentation supporting any requested enhanced limits or optional endorsements. - For Citizens depopulation business, insureds receive a depopulation packet from Citizens; Crestwell issues renewal offers consistent with those terms. Agents should guide associations through the acceptance process and explain coverage differences and additional options compared to Citizens.([crestwelluw.com](https://crestwelluw.com/the-citizens-depopulation-program/?utm_source=openai)) - Contact is centralized via Crestwell for agent support; no detailed public broker manual or rating guide is currently posted. Agents should contact Crestwell directly (via the published phone number or site contact form) for appetite clarifications, submissions, and program enrollment details.([crestwelluw.com](https://crestwelluw.com/offerings/?utm_source=openai)) Broker / producer expectations (operational): - Position risks that fit the MGA’s niche: Florida commercial condos/HOAs with solid governance and risk management, seeking higher‑quality property‑only solutions and willing to accept CAT‑appropriate deductibles and coverage structures. - Be prepared to discuss depopulation impacts with boards and property managers, including potential assessment avoidance and broader coverage options relative to Citizens. - Emphasize Crestwell’s AM Best A‑ rated carrier backing through partners (e.g., Mainsail via Emerald Bay), and the MGA’s focus on long‑term, profitable underwriting results for capacity providers.([crestwelluw.com](https://crestwelluw.com/crestwell-underwriters-commericial-residential-mga-launches/?utm_source=openai)) No standalone, formal public underwriting or appetite guide PDF for Crestwell was identified; guidance above is synthesized from the official site’s offerings and corporate announcements. Agents should treat this as directional and confirm specifics with a Crestwell underwriter for individual risks.