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 commercial property-focused MGA/underwriting facility targeting community association business (condominium associations and homeowners’ associations) and other commercial residential property owners. Their public materials emphasize disciplined underwriting, strong carrier backing, and programs tailored to "communities of distinction," particularly those with boards of directors and professional property managers.([crestwelluw.com](https://crestwelluw.com/offerings/)) Preferred / target business: - Commercial residential property risks such as condo associations and HOAs overseen by boards or property managers. - Better-quality community association schedules needing specialized multi-peril property coverage and enhancements. - Accounts needing higher TIV capacity; they indicate the ability to consider Total Insured Values up to $60M, which is a key appetite signal for larger or more complex communities.([crestwelluw.com](https://crestwelluw.com/offerings/)) Key coverage features (operational signals about appetite): - Special Cause of Loss form for enhanced property protection, indicating preference for well-underwritten all-risk style exposures versus basic/named-peril accounts. - Multi-peril programs that can include: backup of sewers and drains (up to $150,000 limit of liability) and windstorm/hail/wind-driven rainwater endorsements (up to $250,000 limit of liability), suggesting they are actively writing water and wind-exposed habitational risks where terms are properly structured.([crestwelluw.com](https://crestwelluw.com/offerings/)) - Theft (crime) coverage availability, optional equipment breakdown, and a built-in property enhancement endorsement (debris removal, fungus/wet/dry rot/bacteria, and certain outdoor property extensions) for multi-peril forms, which reinforce their positioning as a full-featured property market for association-type risks rather than bare-bones catastrophe capacity.([crestwelluw.com](https://crestwelluw.com/offerings/)) - Indication of an ACV roof option "coming soon," which implies underwriting sensitivity to roof age/condition and a likely preference for accounts that can accept ACV on older roofs. Restricted / declined classes (inferred from positioning): - Crestwell’s public page does not list explicit declined classes or a negative appetite grid. However, the focus on commercial residential communities and boards of directors implies that stand‑alone industrial/manufacturing, main-street mercantile without association structure, or highly specialized non-habitational occupancies are likely outside of their core appetite. - No explicit mention is made of mixed-use with substantial commercial retail or heavy cat‑exposed frame construction above certain TIV thresholds; treat these as requiring specific underwriting discussion rather than automatically in appetite. Geographic notes: - The offerings page references multi-family and includes imagery and narrative around Florida communities, suggesting a particular focus on Florida or similar catastrophe‑exposed coastal states, but no explicit state list or map is provided.([crestwelluw.com](https://crestwelluw.com/offerings/)) - In absence of a published operating territory grid, assume geography (especially coastal wind, flood-prone, or high-hazard locations) is a key underwriting variable that must be cleared with the underwriter or indicated in separate program materials. Operational / limits guidance: - Total Insured Value (TIV) capacity explicitly stated up to $60M; submissions above this threshold are likely out of standard appetite or require special consideration/program structuring. - Multi-peril enhancements and ancillary coverages (sewer & drain backup, windstorm/hail, theft, equipment breakdown, and property enhancement endorsement) indicate that they are comfortable packaging multiple property-related exposures for qualifying accounts rather than only providing bare property limits. - Flexible payment options (quarterly or semi-annual) are available; this can be used as a selling point but does not change underwriting standards.([crestwelluw.com](https://crestwelluw.com/offerings/)) Submission & agent / broker instructions: - Crestwell positions itself as working "with agents" to deliver tailored solutions, indicating that business is submitted via appointed agents rather than direct-to-consumer.([crestwelluw.com](https://crestwelluw.com/offerings/)) - The primary call to action is via the Contact Us and Agents navigation items; no detailed submission checklist is published on the offerings page (e.g., no explicit requirement list for SOV format, loss runs, or inspection reports). - Practically, treat Crestwell as a program/MGA underwriter: expect standard community association property submission materials (ACORD + SOV with construction/occupancy/protection updates, association bylaws where relevant, loss history, details of prior or existing wind/flood placements, and roof/maintenance information). Confirm any program-specific application or supplemental via their agent portal or by contacting the underwriting team directly. Broker notes: - Crestwell emphasizes disciplined underwriting, strong financial backing through carrier partners, and a seasoned leadership team focused specifically on commercial residential property exposures, which suggests that agents should be prepared for detailed underwriting questions on building quality, maintenance, and board/management practices rather than purely rate-driven submissions.([crestwelluw.com](https://crestwelluw.com/offerings/)) - No public indication of open-broker access or wholesale-only distribution is given on the offerings page, so agents should confirm appointment/production expectations and market access via the Contact or Agents areas of the site.