Capitol Preferred Insurance Company (Southern Fidelity Managing Agency)
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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, Inc. (managed by Southern Fidelity Managing Agency) is in court‑ordered liquidation under the Florida Department of Financial Services. The official state receivership page confirms the company is no longer writing or renewing policies and is being administered solely for runoff and claim handling, not for new business production or underwriting. Operational impact for agents/brokers: - No new or renewal underwriting: The carrier is not accepting any new submissions, quotes, or policy changes that would constitute new coverage or exposure. Treat all lines, classes, and territories as effectively closed to new business. - In‑force policies: Any remaining in‑force policies during the liquidation period are governed by the court order and guaranty association rules; they are not a target or preferred segment but an obligation to service until cancellation/expiration or assumption, where applicable. - Product appetite: Historical appetite (Florida/Southeast coastal homeowners) is no longer relevant for placement decisions; there is no active appetite or risk‑selection authority. - Geography and classes: All geographies and all homeowners classes should be treated as declined for new or renewal placements. Agents must seek replacement coverage with other markets. - Producer instructions: Agents should follow state liquidation/receivership instructions: direct claim, unearned premium, and general policyholder inquiries to the Florida DFS receivership contacts listed on the liquidation page, and do not submit new business or endorsement requests seeking expanded coverage. - Submission requirements: None—submissions are not accepted. Use the DFS forms and contact details only for receivership/claim matters. In practice, treat Capitol Preferred as a closed, liquidated carrier with no active underwriting or appetite; use only for legacy claim/receivership follow‑up and immediately remarket any residual exposure to alternative carriers.