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 currently positioned as a specialized commercial residential property MGA/underwriting platform focused on community association risks. Official site language indicates a target appetite for commercial residential property owners and managers, specifically condominium associations and homeowners’ associations, with messaging aimed at property owners, boards of directors, and property managers overseeing “communities of distinction.” Current published offering details show admitted/property solutions in Florida, and the launch announcement specifically states Crestwell initially offers admitted, property-only insurance for Florida condominium associations. Published coverage highlights include Special Cause of Loss, Total Insured Value up to $60M, optional equipment breakdown, theft/crime coverage, backup of sewers and drains up to $150K (multi-peril only), windstorm/hail/wind-driven rainwater endorsement up to $250K (multi-peril only), and a property enhancement endorsement; ACV roof option is listed as coming soon. Geographic guidance is narrow and Florida-centric based on the official launch materials and Citizens depopulation references; no official broad multi-state appetite or expansion guidance was verified. No formal public appetite guide, class-by-class prohibited list, occupancy matrix, protection-class rules, construction/age limits, catastrophe distance-to-coast rules, or explicit declined classes were found on the verified official pages. Operationally, the clearest inferred restrictions are: focus on commercial residential/community association property business, not general commercial property; Florida emphasis; and product availability through selected appointed partner agents. Producer instructions are limited but clear: Crestwell works through agents, offers agency appointment/contract requests online, states that products/programs are offered to a select group of partners specializing in the lines Crestwell manages, and notes submissions/partnerships are reviewed by agency operations and underwriting before appointment. No detailed public submission checklist (such as COPE, loss runs, valuation, SOV, inspection, or application requirements) was verified on the official pages reviewed. Broker takeaway: approach Crestwell for Florida commercial residential association property opportunities—especially condo/HOA risks within published TIV parameters—and expect access to be controlled via agency appointment/partner review rather than an openly posted appetite manual.